If the mortgaged house needs a second loan, the customer can bring his personal ID card, proof of residence (household registration book, utilities, etc.). ), proof of work income (work permit, bank running water, etc. ), household assets and financial resources (large deposit certificate, automobile driver's license, etc. ) and property certificate, and go to the bank or formal loan company to ask for these materials.

However, if you want to apply for a bank, it should be noted that some banks do not support secondary mortgage. For example, China Merchants Bank does not accept the second mortgage, and the mortgaged property cannot be used as collateral to apply for a loan again (specifically according to the regulations of the local branch).

In addition, to apply for two mortgage, the following conditions must be met:

1, the house must be an existing house, and it is a residential or commercial house with great market development potential;

2. Real estate has surplus value and clear property rights;

3. The borrower has a stable income source and sufficient repayment ability;

4. Personal credit is good and there is no interest default.

What we need to note is that the amount that can be made by two mortgage of mortgaged houses is generally: house value × mortgage interest rate-original loan principal balance. Among them, the mortgage rate of housing mortgage secondary loans generally does not exceed 70%, and the mortgage rate of commercial housing secondary loans generally does not exceed 50%.

Automobile two mortgage process

The second loan, but meet the following conditions:

1. There is room for remortgage for the second mortgaged car.

2. The secondary mortgage procedures for automobiles should be complete.

3. The borrower has a legal and stable income source and repayment ability.

4. Other conditions required by the lending institution.

Article 36 of the Commercial Bank Law: The borrower shall provide guarantee for the loan of the commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

[Extended information]

Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment in advance, and the lender lends the rest to the buyer in installments.

1. Original ID card, household registration book or other valid proof of residence, and provide a copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents and materials required by the Cooperation Organization. After you have provided these mortgage procedures for buying a car, you need to meet some other conditions before you can apply for buying a car:

(1) Having valid identity documents and full capacity for civil conduct;

(2) Proof of fixed and detailed address can be provided;

(3) Having a stable occupation and the ability to repay the loan principal and interest on schedule;

(4) Personal social credit is good;

(5) Holding a car purchase contract or agreement approved by the lender;

(6) Other conditions stipulated by the Cooperation Organization.

Application method:

In order to increase car sales, the government and financial institutions jointly launched a personal loan car purchase business. At present, there are two main ways to buy a car with personal loans in the market finance industry:

1. is a real estate mortgage loan to buy a car (with real estate as collateral). Generally, a mortgage loan can buy a car for up to 5 years, with a down payment of more than 30%. The interest rate mainly depends on your loan type and personal qualifications.

2. Personal credit loan to buy a car (unsecured and unsecured, generally requires you to have good credit and stable work income). With this form of loan, you can buy a car for five years with a down payment of more than 30%.

How to handle the second mortgage of the house?

Some houses are being mortgaged, but due to lack of funds, they want to mortgage the mortgaged property again. This is called a second mortgage. So how should I borrow a house with two mortgages? What are the conditions for the second mortgage? 1. After the owner applies for the second mortgage, the bank will assign a special person to evaluate the value of the property, mainly to evaluate its appreciation potential, and then give reference value according to the evaluation results. 2. Owners need to issue personal identification certificate, property certificate, income certificate and other certification materials required by banks when handling the secondary mortgage of houses. 3. The lender needs to bring all the information to the bank for face-to-face signing and sign the mortgage application for the second house. 4. The bank will review the personal data of the property and the lender and calculate the loan amount at the same time. 5. After the approval, the lender needs to go to the bank to register the mortgage in person and wait for the loan. U = 4138492308,4241209713fm = 26gp = What are the requirements for a second mortgage of a house in 0.jpg? 1. Generally speaking, houses should have better room for maintaining and increasing value. 2. The house that can be mortgaged twice must be an existing house, not an auction house. 3. The borrower of the second loan should have good credit, and the existing mortgage loan has no serious overdue record. The borrower of the second loan must have a stable income. 5. Other conditions stipulated by the bank. Matters needing attention in secondary mortgage of house 1, loan amount. The loan amount of real estate in two mortgages is as follows: (1) loan amount = mortgage rate of house value-original loan principal balance; (2) Compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, the value of the house shall be the lower. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%. 2. The procedures and documents required for secondary mortgage and primary mortgage are basically the same. The legal effect after registration is different in the order of realizing mortgage. 3. Although the Measures for the Administration of Urban Real Estate Low Pressure stipulates that the second mortgage does not require the consent of the first mortgagee, it shall inform the second mortgagee. However, in the actual mortgage process, if the first mortgage contract requires the consent of the first mortgagee, it must be observed in accordance with the contract. At the same time, the second mortgagee must be informed of the mortgage loan, otherwise, the mortgagee has the right to request the mortgagor to stop its loan behavior according to the relevant regulations. 4. The right value of two mortgages shall not exceed the balance of the house value after the first mortgage guarantee. If the mortgagor can't pay off the debt, he will file an administrative lawsuit with the registration department.

How to handle the second mortgage of the house? What's the procedure?

The analysis is as follows:

Procedures required for handling the second mortgage of the house:

1. First evaluate about 70% of the general loan evaluation price, and then provide ID card, household registration book, household registration book, income certificate and marriage certificate.

2. Go to the bank for face-to-face signing, approve the loan letter, pay off the loan of the last bank in advance, and cancel the mortgage registration.

3. Go to the Construction Committee to register the second mortgage, and you can lend money within 3 days.

Extended data:

I. Matters needing attention in handling the second mortgage of the house:

1. The houses used for secondary mortgage should be houses with large market development and commercial buildings.

2. For individual housing, the house under two mortgages must be an existing house.

3. This house is a first-hand house purchased with mortgage loan from China Bank.

4. The mortgage registration of the house has been completed, and our bank is the mortgagee of the house.

5. The house has been insured, and the original insurance policy is managed by China Bank.

6. The house has excellent location, convenient transportation, complete facilities and great appreciation potential.

Source: Baidu Encyclopedia: Housing Mortgage Loan