Can I get a loan if the mortgage is not repaid?
You can refinance if you haven't paid off the loan after buying a house. A borrower who has applied for a personal housing mortgage loan in a bank can change the mortgage and get a new loan. Mortgage refinancing:
First, the basic requirements of the loan:
1. 18 to 65-year-old China citizens with valid identity documents.
2. Have a proper occupation, a stable income, the ability to repay the loan principal and interest in full and on time, and a good credit record.
3. Agree to mortgage the property and its rights and interests in the name of an individual as a condition for loan issuance.
4. Basic information required for legal financing purposes: 1), real estate license and other documents to prove the ownership of the mortgaged property; 2), the applicant and spouse's identity card, household registration book, proof of marital status; 3) Proof of income of the applicant and spouse; 4) Relevant certificates of loan purpose.
5. Other relevant information required by the bank: bank interest rate and repayment method: 1). The bank interest rate shall be subject to the commercial loan interest rate stipulated by the People's Bank of China for the same period or float appropriately; 2) If the loan term is less than one year, you can choose to repay the principal and interest on a monthly or quarterly basis, and repay the principal in one lump sum at maturity; If the loan term is over one year, you can choose to repay the principal and interest on a monthly basis or repay the principal.
Second, the loan object:
The borrower owns the house during the repayment period, with no interest default, stable income and good credit, and has the ability to repay the loan principal and interest on schedule, and has paid the principal and interest on schedule for more than two years.
Three. Loan limit:
1. Loan amount = house value * mortgage rate-original loan principal balance. 2. The value of the house is compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, whichever is lower. Loan term:
The term of the second mortgage is determined according to the specific purpose of the loan. Personal consumption loans shall not exceed 5 years, personal business loans shall not exceed 3 years, and the maturity date of loans shall not exceed the maturity date of mortgage loans.
What are the procedures for getting a loan?
1, please provide information.
2. Evaluate the property.
3. The bank shall review the information and handle relevant formalities.
4. Redeem the building and release it.
5. Mortgage registration
6. Restart repayment.
What do people with mortgages want? Do what you can and don't blindly follow? . On the one hand, application? Mortgage refinancing? This means more loans to banks and more interest payments; On the other hand, after applying for this business, the repayment pressure of the mortgage lender will increase greatly, so we should treat our monthly payment ability rationally. If the owner's monthly repayment ability is limited, or there is no clear demand for funds, he should apply for this business carefully. After all, the monthly repayment and pressure will be greatly increased than before.
The above is about whether the mortgage can be repaid or not. What are the problems related to the procedures required for loans? We should know something about these problems. In this case, banks also have a series of policies. Only by meeting these basic conditions can banks handle it, but we still say that lending should be cautious.