Under normal circumstances, the loan amount of the second mortgage property is generally the case that the value of the property is deducted from the amount of the previous mortgage loan and there is residual value. If the real estate value is 6,543,800 yuan, and the previous mortgage loan amount is 300,000 yuan, then the loanable amount of the second mortgage is generally 700,000 yuan. In addition, two mortgages can only be handled in the same bank.

Real estate mortgage means that the property owner takes the deed of house as the mortgage and obtains the loan to pay interest on schedule. The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, when the property owner can recover the mortgaged house deed and perform the debt, the creditor has the right to dispose of the mortgaged house according to law, and give priority to compensation from the proceeds from the disposal of the mortgaged house. The party that provides the mortgaged house is called the mortgagor, and the original creditor who accepts the mortgaged house is called the capacity of the mortgagor. A person without capacity for civil conduct or a person with limited capacity for civil conduct may not set up a house mortgage.

Mortgage characteristics

(1) House mortgage is the guarantee of the original creditor-debtor relationship and the main contract. House mortgage is the premise of cooperation and cannot exist independently.

(2) The mortgaged house can be kept by the mortgagor, generally by the mortgagor. .

(3) The party with the obligation to pay off the debt fails to perform the obligation of directly exercising housing mortgages without relying on the debtor's behavior.

(4) The mortgaged property must be a house, and the mortgagor of the house can be a debtor or a third person. If the mortgaged house is a state-owned house, the mortgagor must have the right to dispose of the mortgaged house.

(5) The setting of house mortgage generally adopts the scope of written guarantee.

(6) After the house is mortgaged, the mortgagor will not lose the ownership of the house. Therefore, the mortgagor should bear the risk of accidental loss of the house.

(7) Housing mortgage is a security interest. If the mortgagor gives the mortgagee the right of recourse to the mortgaged house without the consent of the mortgagor, the losses suffered by the transferee of the house.

Second, how much can the real estate license mortgage loan borrow?

What's the interest rate on the mortgage? The loan interest rates implemented by different banks are different, but the loan interest rates implemented by major banks fluctuate on the benchmark interest rate of the central bank. How to float mainly depends on the borrower's personal qualifications. If the borrower's personal qualifications are good, the loan interest rate will be more favorable. If the borrower's personal qualification is not very good, then the bank will raise the loan interest rate to protect its own interests in order to control the credit risk.

The benchmark interest rate for one-year loans is 4.35%; The benchmark interest rate for one-year to three-year loans is 4.75%; The benchmark interest rate for three-year to five-year loans is 4.75%; The benchmark interest rate for loans over five years is 4.90%.

The interest rates of the four major banks like Hua Fu Capital are slightly lower. If you want to know, you can click here to view the information: What is the mortgage interest rate in 2020?

Third, how much can the real estate license mortgage loan borrow?

At present, mortgage loans of major banks generally do not exceed 70% of real estate assessment value. Some banks and companies have slightly higher mortgage loans for real estate consumption.

In addition, with regard to the term of real estate mortgage loan, the term of real estate mortgage loan can reach 20 years, which is of course directly related to the age of the house. In addition, the interest rate of real estate mortgage loan is higher than that of mortgage loan, and banks will rise to different degrees according to different personal credit status.

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