Yes.

You can still get a loan if you have a mortgage, because the house can be mortgaged twice. The second mortgage is more convenient and faster than the first mortgage, but the interest rate is higher.

The conditions are as follows:

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

2. The mortgage registration of the property has been completed, and The handling bank is the mortgagee of the house;

3. The real estate certificate is held by the customer himself;

4. The property has a second mortgage limit and the balance of the housing loan is less than the current house price. 70%;

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

6. The property should be high-quality housing and commercial housing with great market development potential. . Although applying for a second mortgage loan effectively increases the loan limit, it should be noted that the second mortgage loan must be operated when there is a certain amount of loan space. In other words, if the first loan limit only reaches 30% of the appraised value of the mortgaged house, choosing a second mortgage loan will undoubtedly significantly increase the loan limit.

In general, it is not easy to apply for a bank loan, and failure to apply will also affect your credit record. In order to obtain lower financing costs and handle large-amount bank loans conveniently and quickly, people usually go to professional institutions, such as Dongguan Fangsu Loan. With their professional industry knowledge, they can help customers solve difficult problems in the financing process. Help customers choose the most suitable financing solution from thousands of banks

A second mortgage loan refers to re-mortgaging the mortgaged property to obtain a loan from a specific lender. The characteristic of a second mortgage loan is that you do not have to pay off the previous loan, and you can directly re-mortgage and obtain another loan, saving many intermediate links such as time and advance capital costs.

Amount

Applicants can only go through the mortgage registration procedure once to achieve the maximum mortgage loan. After obtaining the maximum loan amount, the loan can be withdrawn in several installments as needed. The interest calculation time is based on the actual time of each payment. This can save a lot of unnecessary interest costs. The maximum mortgage amount is essentially a one-time mortgage. The ones that make the highest amount of mortgages in China are generally commercial banks.