You can also apply for a mortgage if you have a mortgage. As long as the applicant's age reaches the standard; Have a stable and legitimate economic income and the ability to repay the loan principal and interest on schedule; Maintain good personal credit; And provide sufficient information when applying, generally speaking, there is no problem in successfully applying for a mortgage.

Of course, if the mortgage under his name is not paid off, the personal debt will definitely be higher. If the applicant is worried that it will affect the examination and approval of the mortgage, he can apply for early repayment, pay off all the mortgage or pay part in advance, and then apply for a mortgage after reducing the personal debt ratio.

And if the applicant's economic conditions are average, he does not have enough repayment ability; Or there was overdue behavior when the mortgage was repaid before, and it may be that the mortgage will not be done in a short time. Because banks are likely to refuse to issue loans because of credit problems or fear that the applicant's repayment ability is insufficient and the risk of overdue after lending is high.

What should I pay attention to when applying for a mortgage?

1, the designated bank. Many people think that they can choose a bank at will. In fact, developers usually have designated banks when lending money, which can be negotiated specifically. If they can choose, they can choose a low-interest bank that suits them.

2. repayment method. At present, there are two main types, one is equal principal and interest, and the other is average capital. The former has higher total principal and interest than the latter, but the repayment pressure is relatively small, so it should be carefully considered.

3. Portfolio loan. If the amount of provident fund loans is insufficient, we can consider portfolio loans and use provident fund as much as possible, but this loan method takes a long time, generally more than 3 months.

4. Loan amount. The amount of provident fund loans varies from place to place, mainly related to policies and your provident fund. Commercial loans mainly depend on income and qualifications.

5. Term of the loan. The mortgage amount is relatively high, so choosing the right number of years and matching the interest rate is also a way to save money. Generally speaking, the longer the loan term, the more cost-effective, especially in the current economic environment with serious inflation.

6. Adequate budget. In addition to the down payment, we should also reserve some furniture and appliances, house decoration fees, and various taxes and fees that need to be paid in the early stage of buying a house. If you are not qualified, you may be asked by the bank to increase the down payment.