1 The loan has not been paid off. If it meets the requirements, a second loan can be made. Submit the information required by the bank, such as: ID card, household registration book, income certificate, bank running water, etc. Need to provide proof of basic information of 1 loan repayment, that is, the repayment account is running; After the bank reviews, it will issue loans when it is determined that it has the repayment ability.

There are several situations when the mortgage has not been paid off and you want to borrow: the bank policy has rigid requirements, and the monthly repayment amount can only be half of the total family income. For example, if the monthly mortgage repayment is 2,000 yuan and the total family income is 8,000 yuan, then the total repayment amount is 4,000 yuan, which means that another 2,000 yuan can be borrowed. This situation is aimed at houses that do not repay loans.

The house that is changing loans wants to be mortgaged again. This situation needs to be reassessed and proof of income or property should be provided. However, banks are generally too troublesome, and it is generally recommended to settle the mortgage and refinance.

Individuals use bank loans to buy a second house property, but the first house loan has not been paid off, and the bank will evaluate it in combination with the purchaser's own income ability, personal credit rating, repayment ability and the sum of the second house loan. Eligible people can apply for a second home loan.

Individuals who use provident fund loans to buy two houses can use provident fund loans to buy a second house if the first house is a bank commercial loan. If the first house is a provident fund loan and the loan has not been paid off, they can't use the provident fund loan to buy a second house!

If the borrower's property is in the process of mortgage repayment, it can't be used for mortgage loan before the loan is paid off, because the borrower has mortgaged the real estate license to the bank during the mortgage loan process, and the property belongs to the bank before the loan is paid off. Without the title certificate, the borrower can't handle the mortgage registration of the property, so he can't handle the mortgage loan.

However, if the borrower has strong repayment ability, stable work income and good personal credit, he can also apply for a credit loan from the bank again. Usually the loan amount is about 5- 10 times of the borrower's monthly income. However, according to the relevant regulations, the bank requires that the sum of the original monthly repayment amount and the current monthly repayment amount of the borrower shall not exceed 50% of the total household income. If the borrower's debt ratio is too high, it will be more difficult to apply for a loan again, and the specific situation needs to be considered by the borrower in combination with his own actual situation.

Can I borrow again if the loan has not been paid off?

It's possible.

Apply for revolving loan from commercial bank with real estate license and land certificate. According to the assessed residual value of the house (present value minus original value and outstanding loan), the maximum loan can be 60%.

The loan can only be the benchmark interest rate of the central bank, paying the evaluation fee and handling fee. It is to increase loans on the basis of existing unpaid principal. In fact, the essence of this kind of business is that the bank appoints a guarantee company to help advance the capital in its own name, and then takes the house as a mortgage consumer loan, but the current preferential interest rate may not be enjoyed.

Extended data:

Precautions for prepayment:

First, don't forget to surrender the loan in advance.

When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan.

If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.

Second, we can't ignore the oath.

The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement certificate, and the lender will make plans after taking care of the loan settlement certificate issued by the bank and the original system of each bank.

Third, prepayment needs preparation.

At present, some banks will release the pledge in person. After the pledge is released, the lender needs to go to the bank to retrieve the original house. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment.

If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.