It's easy to say that it's difficult to mortgage a house for a second loan, and it's not easy to say that it's easy. The most important thing is to know some details!

Mortgaged property can be used as a mortgage loan. However, going to another bank for mortgage loan needs to pay off the balance before releasing the property, because the same property cannot be mortgaged to two banks at the same time.

I. Two mortgage situations of mortgaged houses:

1. China citizen with legal and valid identification, aged 18 to 65 years old;

2. Have a proper occupation, a stable income, the ability to repay the principal and interest of the loan in full and on time, and a good credit record;

3. Agree to mortgage the real estate and its rights and interests in the name of an individual as a condition for issuing loans;

4. It has a legitimate financing purpose.

Two kinds of mortgage information:

1. Property certificate and ownership certificate of other collateral;

2. Identity cards, household registration books and proof of marital status of the applicant and spouse;

3. Proof of income of the applicant and spouse;

4. Relevant certificates of loan use;

5. Other relevant information required by the bank;

Three. Two mortgage processes of mortgaged houses:

1. Information provided by customers;

2. Evaluate the property;

3. The bank shall review the information and handle relevant formalities;

4. Mortgage registration;

5. Sign a loan contract;

6. Repay on schedule.

Mortgage-to-mortgage business is relatively complicated, and users can entrust a third-party loan company to help. Generally, it can be completed within 3 working days from the acceptance to the receipt of funds.