Yes
Second, generally apply to the bank for a second mortgage. Xiamen Bank in Quanzhou can handle the second mortgage business. But in the same bank, you can only make a second mortgage. If it is a house with mortgage repayment, it must be repaid normally.
The borrower applying for the second loan must be the customer of the bank's first-hand mortgage loan, with no interest default, stable income, good credit, the ability to repay the loan principal and interest on time, and have repaid the principal and interest on time 1 year or more.
Second, how to deal with the second mortgage of houses in Xiamen? 2. Mortgage requires housing. ...
Hello, what is the purpose of your loan? If you need to apply for personal consumption loans, this is a loan issued by the bank to natural persons for personal or family legitimate consumption purposes such as car purchase, parking space, decoration, education, bulk consumption shopping and tourism. Generally, it is secured by real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department. The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets. If you want to know the benchmark interest rate information, please open the following website (/cmbwebpubinfo/cdrate.aspx? Chnl=cdrate) Take a look. (For business consultation, you can consult customer service online /cmu/icslogin.aspx? From = b & amplogincmu=0. Thank you for your attention and support! )
3. How to handle the second mortgage of housing in Xiamen? What are the requirements?
I believe many residents have had this experience to some extent. When they are in urgent need, the house loan has not been paid off. Then, can we take the house we borrowed as collateral? Use a house with a loan as collateral, which is what we often call secondary mortgage. Generally speaking, when you need a house loan, you need a real estate license, and if it is a house under loan, the lender can't apply for a house loan from the bank without a real estate license.
People who borrow money to buy a house can also use the contract when buying a house to mortgage the bank if they want to mortgage the house to get a loan before paying off the principal and interest. If the buyer can't pay off the principal and interest according to the agreed time limit, the bank can rent out his house to offset the loan.
Of course, if it is really urgent, there is another way. That is, you can entrust a trustworthy guarantee company to apply for the guarantee of real estate mortgage loan from the bank. After the house is mortgaged, the house can still be used or rented normally. And the guarantee company repays part of the bank loan for the loan customer when conditions permit, and then mortgages the property in the name of the investor. Housing mortgage loans also have specific requirements for housing.
1, legal identity is required.
2, to have a relatively stable economic income, and the ability to repay the loan principal and interest, no bad credit record.
3. There must be a legal and effective purchase contract.
4. If the newly purchased house is used as the maximum mortgage, it must also have a legal and effective purchase contract, the age of the house should be within 10 years, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid.
5. If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, and the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house should be within 10 years.
6. It can provide effective guarantee recognized by the loan bank.
7. Other conditions stipulated by the lending bank.
In the process of secondary mortgage, we should also pay attention to some things. First, you know, avoid the higher interest rate of the first mortgage in the second mortgage. Second, as a second mortgage, the house must have a real estate license, and the lender must have the ability to repay on time and have a good credit record. Third, everyone's loan amount will be affected by many factors, such as evaluation value, housing age, housing location and so on.
Xiamen Great World Loan Company needs to remind that due to the different regulations of banks, the implementation standards of banks are also different, and the real estate appraisal value of most banks is between 50% and 70%. Two mortgage's life will also be shorter than the first loan.
Fourth, two mortgage in Taizhou City is easier to get through the bank.
Bank of China, Industrial and Commercial Bank. In Taizhou area, it is relatively easy for China Bank and Industrial and Commercial Bank of China to pass the second mortgage, because most banks are in the second mortgage.