Houses with outstanding loans can be mortgaged, but certain conditions need to be met. On the basis of the original mortgage loan conditions, the additional conditions to be met are as follows: 1, and the property rights of the house are clear; 2. The house has surplus value; 3, the age of the room is not more than 20 years; 4. Other conditions that meet the requirements of the bank. Second mortgage process of real estate: 1. Seek the consent of the mortgage bank; 2. Submit two mortgage applications; 3. Prepare materials and submit them to the bank; 4. Bank information audit; 5. The bank entrusts an evaluation agency to evaluate the house and issue an evaluation report; 6. Sign a second mortgage contract for real estate; 7. Handling contract notarization and mortgage registration; 8. Bank loans.

legal ground

Article 395 Scope of Collateral of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Can the house be mortgaged if the loan is not repaid?

When it is not open, many friends who have houses will choose to apply for mortgage loans. However, lending institutions also have certain requirements for mortgaged properties. Can I apply for a mortgage loan if the mortgage loan has not been paid off?

Generally speaking, if the house is mortgaged, the lender can't mortgage the house to the bank because he hasn't got the property certificate of the house yet. We can only use other methods.

The way of secondary mortgage;

First, ask the loan company for help.

Although banks do not accept unpaid houses as collateral, there is another way to solve this situation, Zaozhuang real estate network and loan company. The loan company has this business, which can help the borrower pay off the remaining balance and make the borrower eligible to apply for a loan again. The advantage of this is that it can not only pay off the mortgage loan, but also re-apply for the loan, thus solving the mortgage loan problem in a short time.

For example, residents mortgaged a house with a total price of 600,000, and the down payment was 654.38+10,000, which has been two years. Then the community asset service company entrusts a professional credit evaluation company to evaluate the credit of the residents in the jurisdiction. After reviewing whether residents have a fixed repayment ability, they can provide "mortgage" guarantee for residents, re-mortgage the previously delivered house payment, and provide residents with the full purchase price. Residents can use this money to buy a car or a house.

Second, apply for a credit loan directly.

Borrowers can also choose credit loans for financing, and use their personal qualifications such as credit and income to apply for loans from banks. However, the limit is affected by the lender's income and has great limitations. However, if you want to guarantee the loan amount and save costs, the borrower can also find a better qualified relative to apply for a loan if conditions permit. Borrowers should also weigh which loan method is most suitable for them according to their own situation.

Third, make a "portfolio" loan.

If the borrower's qualification is good, but the credit loan amount can't meet your capital demand, you can also choose to apply for credit loan first, and the rest of the funds can be obtained through the loan company's guarantee for the borrower. In this way, the ideal state of relatively low interest rate and relatively large loan amount can be achieved as much as possible.

It is reported that not all houses can apply for a second mortgage, and the following conditions must be met:

The specific application qualification requirements are as follows:

First, real estate is a house or commercial house with value-added space.

Second, the real estate must be an existing house, that is, the real estate that has obtained the real estate license.

Third, the registration of real estate mortgage has been completed.

Fourth, the balance of the second mortgage loan is lower than 70% of the current house price.

Fifth, the borrower has full capacity for civil conduct, stable income and good credit.

Although the outstanding housing loan can be mortgaged again, the amount will not be very high, which is generally "mortgage rate of housing value-balance of original loan principal". Among them, the value of the house is lower than the original purchase price of the house and the evaluation price at the time of secondary mortgage. If the borrower takes the house as collateral, the mortgage rate shall not exceed 70% at the maximum; With commercial housing as collateral, the mortgage rate shall not exceed 50%.

Information required for secondary mortgage:

1. ID card, household registration book and marriage certificate of the principal borrower (if married, ID card, household registration book and marriage certificate of both husband and wife are required; Divorce, divorce certificate, divorce agreement or judgment are required).

2. Proof of property right, proof of income (banks have a fixed format, which varies from bank to bank), bank card or passbook, and other assets under the name of the main lender.

Loan interest rate: The bank interest rate is subject to the commercial loan interest rate stipulated by the People's Bank of China for the same period.

Loan term: up to 30 years.

Repayment method: If the loan term is more than one year, you can choose to repay the principal and interest with the same amount every month or with the same amount of principal.

Can the house be mortgaged if the loan is not repaid?

If the mortgage is not paid off, you can mortgage the loan, but you need to meet the following conditions:

1. The borrower is already the owner of the mortgaged house, that is, he has gone through the house transfer formalities and obtained the real estate license. At this time, the owner of the house can mortgage the real estate license in the bank to ensure his repayment ability.

2. Both the first home loan and the second home loan need to be handled in the same bank, which can facilitate the bank to check the repayment ability of the lender and help to handle the mortgage procedures.

3. Houses used for mortgage loans need to be "quality houses", such as commercial houses with great market development potential, convenient lots and lots, and large appreciation space. 4. The date and area of construction are within the service life of the area meeting the requirements of the second mortgage of the bank, that is, it cannot be an old house built for many years.

5. It is also necessary to consider the age, repayment ability and salary of the remortgage borrower. If a middle-aged and elderly person in his fifties who is nearing retirement applies for a second mortgage, there is a greater risk that he will not be able to pay off the loan, then it will be difficult to pass the second mortgage.

legal ground

Article 394 of the Civil Code of People's Republic of China (PRC) defines mortgage as the performance of secured debt. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Can I mortgage a house that has not paid off the loan?

Houses that have not paid off their loans can be mortgaged, but they can only be mortgaged if certain conditions are met. On the basis of the original mortgage loan conditions, the additional conditions to be met are as follows:

1, with clear property rights;

2. The house has surplus value;

3, the age of the room is not more than 20 years;

4. Other conditions that meet the requirements of the bank.

legal ground

civil law

Article 395

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together. If the mortgage is not paid off, it can be mortgaged, but the following conditions need to be met: 1. The borrower is the owner of the mortgaged house, that is, he has gone through the formalities of house transfer and obtained the real estate license. At this time, the owner of the house can mortgage the real estate license in the bank to ensure his repayment ability. 2. Both the first mortgage and the second mortgage need to be handled in the same bank, which can facilitate the bank to check the repayment ability of the lender.

Can the house with outstanding loan be mortgaged?

If the mortgage should not be paid off, it can be mortgaged. At the same time of mortgage loan, the following conditions need to be met:

1. The lender is now the owner of the mortgaged house, that is to say, the lender has not only gone through the house transfer formalities, but also obtained the real estate license. In this case, the owner of the house can mortgage the real estate license in the bank.

2. No matter how many times the mortgage lender handles it in the same bank, it is more convenient for the bank to check the repayment ability of the lender and speed up the mortgage procedures.

3. The house used by the lender for mortgage loan needs to be a "high-quality house" (a commercial house with great market development potential, superior location and large appreciation space).

4. The year and area of building construction are within the service life of the area meeting the conditions of secondary mortgage of the bank.

5. The lender's age, repayment ability and salary are capable of paying off the loan.

Can a house with outstanding mortgage be mortgaged?

Houses with unpaid mortgages can be mortgaged.

Houses with outstanding mortgages can be used for mortgage loans. This behavior is a second mortgage of real estate and needs to be applied. Whether the application can be passed depends on the personal situation (related to the borrower's age, repayment ability and salary level) and whether the mortgage bank can agree.

The ways to repay the mortgage loan are as follows:

1, equal principal and interest repayment. Matching principal and interest repayment is the most widely used repayment method in banks at present. This repayment method is based on the sum of the total principal and interest of the mortgage, and then evenly distributed to each month of the repayment period. As a repayment, he pays a fixed amount every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month;

2. Repayment of equal principal. The average capital repayment method is also a common method to repay mortgage loans. With the increase of repayment period, the borrower can gradually reduce the burden. This repayment method is to allocate the principal to each month and pay off the interest from the previous repayment date to the current repayment date. If the mortgage interest rate is added to the interest rate hike cycle, the average capital repayment method will be more advantageous;

3. Equal increase (decrease). Equal incremental repayment and equal decreasing repayment are flexible, which means that the lender agrees with the bank on the interval and amount of incremental or decreasing repayment when handling the housing commercial loan business;

4. Pay interest and principal on schedule. Repaying the principal and interest on schedule means that the borrower sets different repayment time units for repaying the principal and interest of the loan through consultation with the bank, that is, decides to repay the loan on a monthly, quarterly or annual basis. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months;

5. Repay the principal and interest every week. On the basis of equal principal and interest or average capital repayment, the repayment period of principal and interest is 7 days or an integer multiple of 7 days, with the shortest period of 7 days and the longest period not exceeding 2 1 day (inclusive).

legal ground

Interim Measures for the Administration of Personal Loans

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Let's not say that the mortgage loan has not been repaid.