Question 1: What are additional mortgage loans and refinancing loans? If you bought a house in the bank with a mortgage loan and want to sell it now, or want to buy other big items with the house that has been mortgaged to the bank, you can re-mortgage this house. This is the new phenomenon of "additional mortgage" and "re-mortgage" in the banking industry. In the words of the bank, the borrower who has already applied for personal housing mortgage loan in the bank puts forward the following requirements to the original handling bank: extending the loan period, increasing the loan amount and refinancing. Among them, the mortgage abbreviation is changed, the mortgage abbreviation extension is added, and the mortgage abbreviation is changed. At present, the designated bank for this business in Dalian is China Industrial and Commercial Bank Dalian Branch. Specific implementation measures: refers to the loan (additional amount) granted to the existing individual housing loan customers of ICBC for house purchase, decoration and family consumption with the original loan collateral as the guarantee. That is, the house bought by the original mortgage, after the repayment reaches a certain amount, you can get a new loan by mortgage, or apply for the extension of the original loan (plus the term). Personal application conditions: only customers with good reputation in bank records are eligible to apply.

Question 2: What does additional loan mean? Continue to increase loans ~

Question 3: What do you mean by increasing bank loans? Generally speaking, it refers to the secondary mortgage.

Question 4: What do you mean by changing personal property into mortgage and personal property plus mortgage? How to use loan points can probably be first-hand housing mortgage, provident fund loan, consumer loan and maximum mortgage loan. Some commercial banks will have revolving credit, pure provident fund loans and so on. State-owned banks do not have the expression "personal real estate to loans, personal real estate plus mortgage loans". What small bank did you see it in?

Question 5: What does the extra compensation for the loan mean? Management fee-consultant fee

Question 6: What do you mean by adding some handling fees to the loan? It means that the loan company receives commission from the intermediary. For example, the loan interest was originally 2, but the intermediary charged 1, so the interest charged to the customer became 3.

Question 7: What does mortgage mean?

If there is, it can solve many people's practical problems.

Mortgage-that is, your house is mortgaged, and you want to use the money before you pay it off, and the bank makes a mortgage loan.

For example, buying a house, 500,000 yuan, down payment of 6,543,800 yuan and loan of 400,000 yuan. A few years later, your house has appreciated to 654.38+00,000, and you still have 200,000 loans to repay. Actually, your house is still worth 800 thousand. After the bank entrusts an appraisal company to evaluate your house, it can go through the mortgage formalities again, bringing you 600,000 yuan, that is, adding mortgage.

Question 8: What are additional mortgage loans and refinancing loans? If you bought a house in the bank with a mortgage loan and want to sell it now, or want to buy other big items with the house that has been mortgaged to the bank, you can re-mortgage this house. This is the new phenomenon of "additional mortgage" and "re-mortgage" in the banking industry. In the words of the bank, the borrower who has already applied for personal housing mortgage loan in the bank puts forward the following requirements to the original handling bank: extending the loan period, increasing the loan amount and refinancing. Among them, the mortgage abbreviation is changed, the mortgage abbreviation extension is added, and the mortgage abbreviation is changed. At present, the designated bank for this business in Dalian is China Industrial and Commercial Bank Dalian Branch. Specific implementation measures: refers to the loan (additional amount) granted to the existing individual housing loan customers of ICBC for house purchase, decoration and family consumption with the original loan collateral as the guarantee. That is, the house bought by the original mortgage, after the repayment reaches a certain amount, you can get a new loan by mortgage, or apply for the extension of the original loan (plus the term). Personal application conditions: only customers with good reputation in bank records are eligible to apply.

Question 9: What is mortgage plus guaranteed loan? Mortgage plus guarantee loan refers to the loan that the lender requires the borrower to provide a third-party joint and several liability guarantor with the ability to pay off on behalf of the borrower as the loan guarantee on the basis that the borrower has not obtained the property right of the purchased house. At present, the developer of the purchased house is generally required to be the guarantor. Guaranteed loan refers to the way that the borrower provides loans on behalf of the borrower with an enterprise legal person or a third-party natural person with solvency as the guarantor. Including: 1, the way in which the selling company repurchases the secured loan; 2. Real estate development company's fully guaranteed loan method; 3, the enterprise legal person's full and full secured loans; 4. Personal fully guaranteed loan method. Guarantee plus mortgage loan means that the loan bank takes the property that the borrower has not registered as mortgage as collateral for the personal housing loan, and at the same time requires the borrower to provide a guarantor that meets the specified conditions as the loan guarantee. It can be divided into three types: 1, the real estate development company guarantees loans in full and in installments; 2, the insurance company's full and full secured loans; 3. The guarantee company guarantees the lender in full.

Question 10: What do you mean by investment plus loan? What's the difference between investment plus loan and investment plus loan? It is the same as pleasant loan and one-card loan. They are all online loans.