You can make a mortgage loan, but the mortgage loan needs the signature of the property owner on the real estate license. However, there is still a problem. If all the conditions are met, there is no problem. Loans for two houses can be made in one bank at the same time, which is better than two banks. For example, the loan speed and cost convenience can be faster.

Extended data:

Mortgage form

Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the difference lies in:

1. The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;

2. The creditor's rights secured by the maximum mortgage are usually future creditor's rights;

3. The maximum amount of mortgage must be reserved for the burden exceeding the maximum amount;

4. The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.

housing conditions

Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage; Age of the house (calculated from the date of completion of the house)+loan period not exceeding 40 years; Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property co-owners to sign it.

Icbc loan

Personal housing mortgage loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to customers, which is based on the real estate in the name of customers (including spouses) and used for legal and compliance purposes such as business and consumption.

Baidu encyclopedia? housing mortgage loan