Now most people choose loans to buy houses, and some of them have not been repaid before, mainly because there are problems, so they will use their own houses to mortgage loans. For borrowers, the first thing they will think of is whether they can refinance if they have a house with a loan in their name. So under what circumstances is it not allowed to borrow again? Next, let's take a look with Bian Xiao!

Can I get a loan for a house I bought with a loan?

Mainly depends on the borrower's economic situation, bank reputation, repayment ability to decide whether the house bought by loan can still be loaned. Usually at the right time to ask for a loan, the lending institution will mainly check the borrower's bank credit status, and then check its repayment level. If the repayment ability is not strong, then even if the credit is good, you still can't get a loan. In other words, if the borrower still has a mortgage to pay, it should be analyzed according to its own situation. For example, outstanding credit records, the total amount of new loans and old loans can not exceed 50% of monthly income. If it exceeds, it means that it does not have the repayment ability, so the house bought by the loan cannot be borrowed.

Under what circumstances are refinancing not allowed?

1. If the credit card is overdue three times in a row (or six times in two years), it will be regarded as bad credit in the bank records.

2. There are cases where the monthly payment (car loan) is overdue or has not been paid for 2 to 3 months, which is also regarded as a bad reputation.

3. The interest rate of the loan is basically updated on June 65438+1 October1every year. If the monthly payment is still paid according to the original amount, it will also lead to overdue interest and affect the credit investigation.

Bian Xiao's conclusion: The above content is about whether the house bought by loan can be loaned. I hope I can help you. I believe that through the above, you will know more about the second loan of the house you bought with the loan. If there is a demand in the future, you can refer to it.

Can I refinance the house I borrowed?

The loan house can be loaned for the second time.

Mortgaged houses can get a second loan, but the conditions of the second loan are very harsh. The requirements are as follows:

1. The house used for secondary mortgage must be an existing house;

2. The property has been registered as a mortgage, and the handling bank is from housing mortgages;

3. The house has been insured, and the original policy is managed by the bank;

4. The loan balance of the second mortgage amount of the property is lower than 70% of the current house price;

5. The borrower has full capacity for civil conduct, stable income and good credit.

Can I refinance my house loan if I haven't repaid it?

Few people choose to pay the house price in one lump sum when buying a house. Most of them are from mortgage to buy a house, and they pay the down payment first. Can I refinance my house loan if I haven't repaid it? Many people still have doubts about this, so let's take a look at it through the following content!

If the house loan has not been repaid, you can borrow again, but the loan amount is not high. If the house mortgage loan is selected, the remaining mortgage loan amount will be deducted from the loan amount because the mortgage loan is not settled. Moreover, the mortgage interest rate is different. Ordinary housing does not exceed 70% and commercial housing does not exceed 50%, so the natural quota is much less.

It is understood that most banks are still not allowed to make mortgage loans before the housing loans are paid off. You can't apply for a loan again until all the loans have been paid off. This practice is bound to make many buyers who are short of money and eager to use money have a headache. After all, it is still very limited.

Therefore, for people with financial difficulties, it is advisable to make use of the network resources around them to seek help from richer relatives and friends, make up the remaining house payment, repay the bank loan and apply for release. Then the loan application process is carried out, so that the approval rate of the bank is relatively high and a higher quota can be obtained. If you can't get help from relatives and friends, you might as well find a guarantee company, repay the loan in advance, release the house and apply for a loan. However, this method is not suitable for small loans, and it is meaningful to implement it only when the loan amount is large.

If the house under repayment has appreciated, you may wish to settle the mortgage first and then apply for a loan. This method can often increase a part of the original loan amount, but the standards issued by various banks are different and need to be combined with reality. But all banks must meet these conditions. First of all, they have a real estate license. Second, stable income and good credit record. In addition, if the mortgage amount accounts for a large proportion of the house payment, it is difficult to pass the bank loan approval.

I hope the above answers are helpful to you.

If I have a mortgage, can I refinance it?

Generally speaking, you can refinance after you have a mortgage, but you must also meet these conditions:

1, with full capacity for civil conduct. The borrower must be a natural person aged 18 with full capacity for civil conduct.

2. The overall situation is relatively good. When considering the borrower's repayment ability, the bank will also consider the borrower's comprehensive situation to judge the borrower's loan qualification. In addition to paying more attention to the real estate license and credit information, the borrower's occupation and income are also important criteria for banks to judge.

3. Have the ability to repay the loan. Banks need to know your income status and credit history to judge whether the lender has the repayment ability, so you also need to provide corresponding real income proof materials.

4. The debt ratio should not be too high. Usually, when the personal asset-liability ratio exceeds 40%, it is difficult for banks to continue lending.

5. The monthly repayment amount shall not exceed 50% of the family income. Generally speaking, the borrower's monthly repayment shall not exceed 45%-50% of the personal family income on the premise of meeting the credit information. Therefore, if the existing mortgage is close to this ratio, it means that the borrower's debt is already high, and it is difficult to apply for other loans at this time.

If you want to buy a house through a loan, these things must not be done.

1. The credit card is overdue for three consecutive times (or six times in two years).

2. The monthly payment is overdue for 2 to 3 months or not returned.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate is raised, the monthly payment will still be paid according to the original amount, resulting in overdue interest.

5. Sleep credit card, if it is not used after activation, will also generate an annual fee, and will not generate a negative credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Debt and other economies will also affect credit records.

9. Water, electricity and gas charges are not paid on time.

10. Personal credit card cashing.

1 1. The student loan is in arrears.

12. The mobile phone charge is linked to the bank card charge. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.

13. Being fraudulently used by others or a copy of ID card generates a credit card arrears record.

It can be seen that many of these things are easy to ignore in our daily life. Once a bad credit record is accidentally generated, it is a particularly troublesome thing for buying a house with a loan.

There are usually two ways to apply for mortgage loans for mortgaged houses:

1. Apply for two mortgage directly, which can avoid foreclosure. However, if the borrower applies for it himself, the scheme is relatively limited and the loan interest rate and other costs are high. You can apply for a flexible scheme of more than redemption through a powerful guarantee company;

2. Apply for prepayment, and then go to other banks to re-apply for mortgage after the mortgage is settled. Many people will encounter the problem of insufficient funds for prepayment when operating this method. They can pay in advance through the guarantee company, and then apply for a mortgage loan through the bank resources mastered by the guarantee company. It is worth noting that the amount of mortgage loan applied for a mortgaged house generally cannot exceed the residual value of the mortgaged property.