Loans are available

Second mortgage loan business, the house is re-evaluated and then mortgaged. The amount generated minus the balance of the first housing provident fund loan is the business that citizens can enjoy. loan amount.

House mortgage loans can be divided into short-term second mortgage loans and bank second mortgage loans.

1. If you are only in a short-term need for money and want to use a mortgage to make a loan: there are two situations

(1): Have a house, procedures: mortgage registration-loan notarization -Lending money. You can lend money on the same day. This loan is from a guarantee company. The principal is repaid on maturity with monthly interest payments. It is generally suitable for customers who are in a hurry to use money in the short term.

(2): Customers who have not paid for the house yet, but the bank has loans and want short-term turnover. This kind of house without capital can only go to a guarantee company, and the short-term loan is only one year at most. The procedures are incomplete, and it is impossible to get a second loan from the bank.

2. If you own a house and want a long-term loan: apply for a second mortgage loan from a bank, apply for a loan with a new bank, and then release the mortgage with the original bank after the loan is approved to ensure that the second loan can be disbursed. . Bank loans only charge loan service fees. For normal commercial housing, they charge 1% of the loan amount as service fees. The bank charges after the loan is approved.

3. If you own a house and want a long-term loan but are in a hurry for money: you can pledge the loan from the company on the same day, and then help you with the bank loan immediately. Normally, a bank loan will be disbursed in about a month, and you will be repaid after the bank disburses the loan. The monthly payment from the bank not only solves the problem of being in a hurry to use money, but also solves the problem of high monthly payment pressure for long-term loans.

Second mortgage registration process:

(1) The handling bank has completed the real estate mortgage registration as the first mortgagee in accordance with the approval requirements and obtained other property rights certificates;

(2) After the guarantee company reaches the intention of registering the second mortgage with the mortgagor, borrower and handling bank, prepare the following materials:

1. Document provided by the mortgagor for house registration The agency's real estate mortgage registration application form;

2. "Letter from the guarantee company to the handling bank that the applicant for the later mortgage right has learned about the bank's priority mortgage right"

3. Letter issued by the guarantee company to the housing registration agency regarding the fact that the applicant for the later mortgage right has learned about the situation of the priority mortgage right;

4. The guarantee company issued the letter to the housing registration agency The "Mortgage Contract" signed between it and the mortgagor;

5. The "Entrustment Guarantee Contract" and "Counter Guarantee Contract" signed between it and the borrower (original) issued by the guarantee company to the housing registration agency.

The required information is as follows:

ID card,

household register,

marriage certificate,

income Proof,

Bank statements,

If married, provide information about both spouses, loan contract from the bank,

Bank statements for half a year,

Residence Proof,

water and electricity invoices,

loan purposes.