You can take out a second loan, but you need to meet the requirements of the second loan.
To apply for a personal loan, you need to meet the following conditions:
1. A citizen of China who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and have no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Other conditions stipulated by the bank.
2. If the first loan has not been paid off, can a second loan be made?
You can take out a second loan, but you need to meet the requirements of the second loan.
To apply for a personal loan, you need to meet the following conditions:
1. (1) China citizens with permanent residence, permanent residence or full capacity for civil conduct under the age of (including) in the place where the loan bank is located;
2. Have the ability to prove the principal and interest of the position;
3. Have a good credit record and willingness to repay, and have no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Other conditions stipulated by the bank.
Third, the first loan for buying a house has not been paid off. Can I still get a loan for the second purchase?
The relationship between the first loan and the second loan is not too big.
Although the first loan has not been paid off, as long as you have the repayment ability, you can also make other home purchase loans.
As long as the bank examines your income, you will be able to repay your monthly payment.
I haven't paid off the mortgage. I want to buy a second house. Can I still get a loan?
If the first house loan is not paid off, you can borrow again to buy a second suite, but the down payment ratio and loan interest rate will rise. If the mortgage loan is not settled in April, 20 10, according to the "National Ten Articles" of the State Council, the down payment ratio of the family loan for purchasing the second house shall not be lower than 60%, and the loan interest rate shall not be lower than 1. 1 times the benchmark interest rate. The cost of the second housing loan is 1. Down payment According to the regulations of the bank, if the borrower applies for a second home loan, he must pay a down payment of not less than 60% of the purchased house price, and some areas require that the down payment ratio of the second home loan be not less than 70%. 2. Interest The interest of the second housing loan is calculated according to the borrower's loan amount, loan term, loan interest rate and repayment method. Among them, the loan interest rate directly affects the amount of mortgage interest expenses. 3. Mortgage registration fee The customer who applies for the second home loan must agree to mortgage the house purchased under his name. When handling the mortgage registration formalities, the borrower needs to pay a certain amount of mortgage registration fee. 4. Notarization fee When you apply for the second housing loan, you still need to pay the notarization fee. When applying for a bank housing loan, the bank will entrust a notary department to certify the borrower's qualifications, and the borrower needs to pay a notary fee. Extended Information 2065438+ Notice on Standardizing the Second Set of Housing Accreditation Standards in Commercial Personal Housing Loans issued by the Ministry of Housing and Urban-Rural Development, the People's Bank of China and the China Banking Regulatory Commission on June 4, 2000. The second set of housing accreditation standards determines the second set of housing accreditation standards: 1 The number of family housing units in commercial personal housing loans should be determined according to the number of complete houses actually owned by family members (including borrowers, spouses and minor children, the same below). Second, at the request or authorization of the borrower, municipalities directly under the central government, cities under separate state planning, provincial capitals and other urban real estate departments with inquiry conditions should inquire about the borrower's family housing registration records through the housing registration information system and issue written inquiry results. If the results of family housing registration inquiry cannot be provided temporarily due to local conditions, the borrower shall submit a written credit guarantee for the actual number of family housing units to the lender. If the lender verifies that the credit guarantee is false, it should be recorded as a bad record. 3. In any of the following circumstances, the lender will implement the second set of differentiated housing credit policies for the borrower: (1) The borrower applies for using the loan to purchase a house for the first time, and his family has registered a set of complete housing (including the pre-sale contract registration and filing system, the same below) in the housing registration information system of the place where the house is to be purchased; (two) the borrower has used the loan to buy a set (or sets) of housing, and applied for a loan to buy housing; (3) The lender is convinced that the borrower's family already owns a set (or more) of housing through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary).