As we all know, according to the income level of ordinary people in China, if they want to save enough money to buy a house, it must be in their next life. Therefore, under normal circumstances, most people will choose to use mortgage to buy a house. So, can a mortgaged house be mortgaged? Let's take a look with Bian Xiao.

1. Can a mortgaged house be mortgaged?

According to the current regulations of major banks in China, the mortgaged house cannot handle the repeated mortgage business before the loan is settled. If you must use this house to borrow money, it is more reasonable to find more abundant short-term funds to repay the remaining bank mortgage, cancel the registration of real estate mortgage, and apply for a loan from the bank again. Part of the new bank loan funds will be used to repay the loans, and the rest will be used for discretionary purposes.

Two, several types of real estate can not handle mortgage business.

1. Outstanding loan property.

For this kind of property, the bank already owns other rights of the property, and the borrower has no right to mortgage the property again. From the bank's point of view, if the borrower chooses a bank, the bank will definitely not agree to mortgage a project twice. If the borrower chooses another bank to make a second loan, how should the property rights be distributed?

2. Some public houses have been purchased.

There are two situations in which the purchased public houses cannot handle the mortgage loan business. The first is the property that cannot provide the purchase contract or purchase agreement. The second type is the property that cannot provide the listing certificate of the central delivery room.

3, less than 5 years of affordable housing.

According to the relevant laws and regulations of our country, affordable housing under five years is not allowed to be listed and traded, and of course there is no way to go to the bank for mortgage loan business.

4. Small property houses without real estate license.

For small property houses that have not obtained the property right certificate, residents only have the right to use but no ownership. Such properties cannot be listed and traded, and there is no way to go to the bank to handle mortgage business.

Abstract: The above is the answer to "Can a mortgaged house be mortgaged?" The answer to the relevant content hopes to bring some reference help to friends in need. For more real estate information, please continue to pay attention to other related introduction information of Qijia. com。