A house with a mortgage can get a second loan. There is still an outstanding mortgage in the applicant's name. As long as he meets the requirements of the second loan, he can apply to the relevant bank, but the requirements of the second loan are much higher than those of the loan. If the applicant fails to repay the loan in time, he must pay higher interest and clearly understand the relevant requirements and matters.

What are the conditions for a second loan?

1. When the lender used the previous loan, there was no overdue record and the personal credit was excellent;

2. The lender has excellent repayment ability, and the second loan application usually proves that the lender has high requirements for repayment ability or the bank is running smoothly;

Paragraph 3, secondary loans have strict provisions on the debt ratio. For example, the debt ratio cannot be higher than 40%, or even more stringent, and the meeting requirements cannot be higher than 35%. The loan needs to be clarified first.

House 2 1, the owner evaluates the value of the second mortgaged house, mainly the rights, and then gives the reference value according to the evaluation results;

2. Owners need to produce income certificates and other supporting materials required by the bank when handling the second mortgage of the house;

3. The lender needs to bring all the information to the bank for face-to-face signing and sign the application for the second mortgage of the house;

4. The bank will review the real estate and the personal data of the lender, and issue loans at the same time.

5. After approval, the lender needs to go to the bank in person.

Secondary mortgage 1, secondary mortgage must have real estate license. The real estate license is in the hands of the borrower. If it is mortgaged in a bank, it is impossible to successfully handle business twice.

2. Two mortgage loans must have a mortgage loan amount. Generally, it is easier to run a second mortgage after the mortgage loan amount reaches 6-70% of the total value of the house. And if only the total value of the house is 3- work.

Although it is the second mortgage, the borrower's loan conditions are equally strict. Borrowers should have stable income and good credit, and the most important debt is good!

Second, can the purchase contract be a second loan?

Conditions that can be met by secondary mortgage: the houses used by secondary mortgage should be high-quality houses and commercial houses with great market development potential; The house used for personal housing in the secondary mortgage must be an existing house; The house is a first-hand house purchased with mortgage loan from China Bank; The mortgage registration of the house has been completed, and our bank is the mortgagee of the house; The house has been insured, and the original policy is managed by China Bank; ? The house has excellent location, convenient transportation, complete facilities and great appreciation potential.

Can I get a second loan for my house?

Legal analysis: according to the law, the house can be loaned for the second time. The second set of housing loan means that the borrower has obtained a commercial loan for personal housing from the bank or has passed the personal housing mortgage after examination and approval, and still uses the mortgaged house of the personal housing mortgage as collateral, and applies for a personal consumption loan again within the range of the difference between the mortgage value and the original loan balance.

Legal basis: Article 6 of the Interim Measures for the Administration of Loans to Financial Institutions of the People's Bank of China, which is approved by the People's Bank of China, holds a financial business license and opens a separate basic deposit account in the People's Bank of China, can be used as the object of loans from the People's Bank of China to financial institutions. Article 7 of the Interim Measures for the Administration of Loans from Financial Institutions of the People's Bank of China: To apply for a loan from a financial institution of the People's Bank of China, the following conditions must be met: (1) It is the object of a loan from a financial institution of the People's Bank of China. (two) the operation of credit funds is basically normal, and the use of loans conforms to the requirements of the national industrial policy and monetary policy. (three) in accordance with the relevant provisions of the timely and full deposit of reserves with the people's Bank. (4) The source of repayment funds is guaranteed. (5) It is creditable to repay the loan of China People's Bank.

4. Can I get a loan twice for a house? I signed a loan contract twice, will the bank? ...

Spread out completely

1, a house cannot be mortgaged twice;

It's really troublesome to sign a loan contract twice. It is suggested that you mark the contract that you have not lost invalid.