You can still borrow money if the mortgage is not paid off.

When a bank applies for a loan, the bank mainly looks at the applicant's current repayment ability and credit history. If the applicant has a good credit record and sufficient repayment ability, he can apply for a loan in the bank. The mortgage has not been paid off, so you can borrow money. Whether the personal mortgage is paid off has no effect on the individual's application for a loan.

What needs to be understood is that since the personal mortgage has not been paid off, if you apply for a loan in the bank again, the bank will look at your repayment ability according to your current income and monthly payment. So in this way, because there are still mortgages to be repaid, the amount of loans that individuals can apply for will also have a certain impact.

If you want to buy a house through a loan, you must not do these things.

1. The credit card is overdue for three consecutive times (or six times in two years).

2. The monthly payment is overdue for 2 to 3 months or not returned.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate is raised, the monthly payment will still be paid according to the original amount, resulting in overdue interest.

5. Sleep credit card, if it is not used after activation, will also generate an annual fee, and will not generate a negative credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Economic disputes such as debts will also affect credit records.

9. Water, electricity and gas charges are not paid on time.

10. Personal credit card appears in tx.

The behavior of.

1 1. Outstanding student loans.

12. The mobile phone charge is linked to the bank card charge. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.

13. Being fraudulently used by others or a copy of ID card generates a credit card arrears record.

It can be seen that many of these things are easy to ignore in our daily life. Once a bad credit record is accidentally generated, it is a particularly troublesome thing for buying a house with a loan.

Several things you should never do when buying a house with a loan.

I already have a loan in my name. Can I borrow it again?

Borrowers who already have loans can apply for loans again in principle, but whether they can handle them successfully depends mainly on the borrower's credit reporting and repayment ability.

1. Nowadays, there are more and more loan companies and loan products. Users can borrow money for buying a house, a car, investing and working capital. Generally speaking, as long as the loan conditions are met, all loans can be successful, including secondary loans and multiple loans.

2. If the borrower belongs to the group that has not paid off the previous mortgage, but wants to apply for other loans from the bank again, the bank will judge according to the monthly repayment amount of all loans and the income of the borrower. The average borrower's monthly repayment amount does not exceed 50% of the monthly income. If the monthly repayment amount accounts for a high proportion of monthly income, the bank may judge that the user's repayment ability is insufficient and refuse the loan.

3. If the user has applied for other loans from other lending institutions or banks and now wants to apply for a bank mortgage, first, the borrower needs to meet the down payment standard, and second, the borrower needs to have a good credit status and the previous loan is not overdue. Of course, the most important thing is the borrower's repayment ability. The comprehensive monthly repayment debt ratio should not be too high. If the guest's monthly income can't reach the monthly repayment amount, it is definitely impossible to apply for a second loan.

4. When general users want to apply for loans after existing loans, they can provide loans such as strong guarantees and mortgages to lending institutions, which can improve the loan pass rate to some extent. Of course, no matter how many loans users have had before, there can be no overdue repayment. Once users are seriously overdue, they will definitely not be able to apply for loans many times.

Users who want to borrow money still need to consider their actual repayment situation to avoid excessive debt and great economic pressure, which will lead to overdue repayment and bring them more losses than gains.

1. There are many non-performing loan platforms in the society, which are mixed with good and bad, and there are loan traps. We should keep our eyes open, distinguish between right and wrong, lend money according to law, protect our legitimate rights and interests according to law, and reduce losses.

It is natural to pay interest on the loan, but the interest should be paid before the loan is processed. Where did this come from? There are many eye-catching small advertisements for non-performing loans on the Internet, such as "You can apply for a loan with your ID card, and you can lend on the same day without mortgage or guarantee". It is these attractive small advertisements that make people who are in urgent need of funds inadvertently "fall into the trap".

Paying the loan interest first is a common trick of many loan swindlers. Formal lending institutions will not require advance payment of interest and other fees. In particular, we should be wary of off-site loans and so-called loan interest payment before lending, which may be informal lending platforms. When applying for a loan, the applicant must have awareness of self-risk prevention and legal awareness. Sometimes, if you think more and calm down, you will avoid a lot of unnecessary economic losses.

Can I still apply for a loan if I have a loan?

In today's society, if you want to live comfortably, you need money to support you. As the saying goes, money is hard to be a horse in the world. If you are short of money now, there are still many ways to borrow money. The emergence of online loan products has saved many people. So can I apply for a loan if there is a loan?

1, depending on the loan type: If you borrow from a bank and already have a loan, such as a mortgage, it is relatively easy to apply for other loans, because people who can successfully apply for a mortgage generally have better repayment ability. If there are many outstanding consumer loans, if you want to apply for a mortgage, you need to settle the consumer loans first, otherwise it is generally difficult to pass the bank's approval.

2. Look at the loan amount: if there is a loan, and the loan amount is large, the borrower's income is not high, and the debt ratio exceeds 50%, it will be more difficult to apply for other loans; The original loan amount is small, or the borrower has higher income and better repayment ability, so it is generally not difficult to apply for a loan again.

3. Look at the loan repayment: If the loan is overdue during use, you will be rejected if you want to apply for a loan again. The borrower has always repaid the loan on time, never overdue, accumulated a good credit record, and applied for a loan again, which is easier to pass the examination and approval.

4. Look at the number of loan applications: If there is a loan, and the frequency of loan applications is very high, and there are many loan approval inquiry records on the credit information, and you want to apply for a loan again, the lending institution may think that the loan applicant is short of cash flow, has poor repayment ability and is unwilling to lend money because of the high risk in loans overdue.

In short, whether you can apply for a loan with a loan mainly depends on the borrower's credit status, repayment ability and debt ratio. There is no problem in these three aspects, and it is not difficult to apply for a loan again.

Can the bank apply for a loan again if it has a loan?

Even if the customer has a loan in his name, he can still apply for a new loan. Banks and licensed consumer financial institutions do not stipulate that customers can only have one loan at a time.

As long as customers have no overdue behavior when repaying loans or other credit products under their names, they will maintain good credit; And can provide sufficient economic and financial information to prove that it has the ability to repay the loan principal and interest on schedule; Moreover, personal debt is not high, there is no long-term loan, and credit information is not "spent", so loans are often successful.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

Loan security is the primary problem faced by commercial banks;

Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time;

Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.