Of course. As long as the lender meets the loan conditions, has good credit information and has the ability to repay the principal and interest, it can apply for a loan again. When applying for a mortgage again, after the first home loan is settled, you can apply for a mortgage again as long as the down payment ratio reaches 50% or above and meets the local housing purchase qualification.

1. Loan after paying off the mortgage:

(1) If the borrower's property is in mortgage repayment, it cannot be used for mortgage loan before the loan is paid off, because the borrower's property right has been mortgaged to the bank during the mortgage loan period, and the property belongs to the bank before the loan is paid off. Without the title certificate, the borrower can't handle the mortgage registration of the property, so he can't handle the mortgage loan.

(2) However, if the borrower has strong repayment ability, stable work income and good personal credit, he can also apply for a credit loan from the bank again. Usually the loan amount is about 5- 10 times of the borrower's monthly income. However, according to the relevant regulations, the bank requires that the sum of the original monthly repayment amount and the current monthly repayment amount of the borrower shall not exceed 50% of the total household income. If the borrower's debt ratio is too high, it will be more difficult to apply for a loan again, and the specific situation needs to be considered by the borrower in combination with his own actual situation.

(3) In addition, if the borrower can't apply for a loan from the bank again, he might as well try to apply for a loan through a private lending institution. Compared with bank loans, the requirements of private lending institutions are more relaxed. As long as the borrower has sufficient repayment ability, it is basically possible to apply for a loan.

2. Conditions for refinancing after the mortgage is paid off:

(1) The borrower has full capacity for civil conduct, holds a valid local resident ID card or a formal urban household registration in this city, has stable income and good credit, and has the ability to repay the principal and interest.

(2) Before the loan, it is necessary to deposit the housing accumulation fund for more than half a year, and provide an effective self-purchase contract or agreement. The payer must be the purchaser in the contract, and the purchaser (except the spouse) must issue a written commitment to agree to the mortgage of the house;

(3) There are sufficient funds, and the self-owned funds for purchasing self-occupied houses are not less than 30%, and the second-hand houses are not less than 40%. Borrowers are allowed to handle insurance and housing mortgage loans.

(4) The borrower opens a personal account in the bank, allowing the bank to directly deduct the loan principal and interest from the account every month.

Can the mortgage be mortgaged again after the mortgage is paid off?

After the mortgage is paid off, the user cancels the last mortgage, so as long as he owns the property, the user can apply for a mortgage loan again with the property. However, under the premise of existing mortgages, most banks do not accept secondary loans. Therefore, after paying off the mortgage, users can apply for a mortgage loan again with the property as long as they meet the mortgage conditions.

For users, what banks need to apply for mortgage loans is collateral, not necessarily real estate. As long as there is collateral that meets the requirements of the bank, they can also apply for mortgage loans if the mortgage is not settled.

Can I borrow again after the mortgage is paid off in one lump sum? If so, how long will it take to get the second loan?

You can also apply for a loan after the mortgage is paid off at one time.

Generally, the approval time will be a little longer than the first time.

The second mortgage refers to the second loan to buy a house. According to the difference of the second mortgage, the interest rate of the second mortgage is about 10%-20%.

For buyers who have settled bank loans, if they refinance, they can still enjoy the first set of self-occupied housing treatment, and the interest rate can be lowered as appropriate.

This means that if the property buyer has purchased the property before and has paid off all the loans, he can still be regarded as the first suite when buying a house again, and the down payment ratio and loan interest rate can get certain concessions.

Secondly, the provident fund loan is not included in the reference project to determine whether it is a "second suite".

That is to say, if the purchaser has used provident fund loans in other houses, and has not applied for commercial housing loans or the loans have been settled, when purchasing new houses with loans, it can still be implemented according to the relevant policies of the first suite.

Extended data:

Mortgage, also known as house mortgage.

Mortgage means that the buyer fills in the application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter.

After passing the examination, the bank promises to issue loans to the buyers, and handle the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers.

The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate.

The staff of a branch in Chaoyang District of Industrial Bank said that the current branch notice is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other outlets are not clear."