Some mortgage users can continue to apply for loans, but users are advised to apply for bank loans first, because banks have a high recognition of mortgage customers.

Of course, after the loan application is submitted, whether it can pass the audit depends on the audit results given by banks and financial institutions. Moreover, there is already a mortgage, and applying for a loan will increase the risk of overdue. Please carefully consider whether you need to apply for a loan in the future.

Mortgage, also known as house mortgage. Mortgage refers to the legal documents such as housing mortgage loan application, ID card, income certificate, housing sales contract, guarantee letter and so on submitted by the property buyers to the bank. , must be submitted. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract signed between the bank and the buyer. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

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Basic introduction:

Participants in mortgage loans, including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need to participate in applying for loans from appraisal companies and mortgage guarantee companies.

Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that by the end of 20 10, the utilization rate of mortgage loans has reached a high level in major first-tier cities in China. In terms of housing mortgage loans, the loan ratio has reached more than 70%. Moreover, in recent years, more and more residents have applied for mortgage loans with their own or relatives' properties to revitalize their properties. "Mortgage" has become a way of life closely related to residents' lives.

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, personal loans and portfolio loans. entrusted loan

Personal housing entrusted loan refers to the loan that the bank is entrusted by the housing provident fund management department to purchase ordinary housing with the amount of housing provident fund as the source of funds. Also known as provident fund loans.

Self-operated loan

Self-employed housing loans are loans issued by bank credit funds to individual buyers. Also known as commercial personal housing loans, the loan names of banks are different. Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

If I have a mortgage, can I refinance it?

Generally speaking, you can refinance after you have a mortgage, but you must also meet these conditions:

1, with full capacity for civil conduct. The borrower must be a natural person aged 18 with full capacity for civil conduct.

2. The overall situation is relatively good. When considering the borrower's repayment ability, the bank will also consider the borrower's comprehensive situation to judge the borrower's loan qualification. In addition to paying more attention to the real estate license and credit information, the borrower's occupation and income are also important criteria for banks to judge.

3. Have the ability to repay the loan. Banks need to know your income status and credit history to judge whether the lender has the repayment ability, so you also need to provide corresponding real income proof materials.

4. The debt ratio should not be too high. Usually, when the personal asset-liability ratio exceeds 40%, it is difficult for banks to continue lending.

5. The monthly repayment amount shall not exceed 50% of the family income. Generally speaking, the borrower's monthly repayment shall not exceed 45%-50% of the personal family income on the premise of meeting the credit information. Therefore, if the existing mortgage is close to this ratio, it means that the borrower's debt is already high, and it is difficult to apply for other loans at this time.

If you want to buy a house through a loan, these things must not be done.

1. The credit card is overdue for three consecutive times (or six times in two years).

2. The monthly payment is overdue for 2 to 3 months or not returned.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate is raised, the monthly payment will still be paid according to the original amount, resulting in overdue interest.

5. Sleep credit card, if it is not used after activation, will also generate an annual fee, and will not generate a negative credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Debt and other economies will also affect credit records.

9. Water, electricity and gas charges are not paid on time.

10. Personal credit card cashing.

1 1. Outstanding student loans.

12. The mobile phone charge is linked to the bank card charge. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.

13. Being fraudulently used by others or a copy of ID card generates a credit card arrears record.

It can be seen that many of these things are easy to ignore in our daily life. Once a bad credit record is accidentally generated, it is a particularly troublesome thing for buying a house with a loan.

There are usually two ways to apply for mortgage loans for mortgaged houses:

1. Apply for two mortgage directly, which can avoid foreclosure. However, if the borrower applies for it himself, the scheme is relatively limited and the loan interest rate and other costs are high. You can apply for a flexible scheme of more than redemption through a powerful guarantee company;

2. Apply for prepayment, and then go to other banks to re-apply for mortgage after the mortgage is settled. Many people will encounter the problem of insufficient funds for prepayment when operating this method. They can pay in advance through the guarantee company, and then apply for a mortgage loan through the bank resources mastered by the guarantee company. It is worth noting that the amount of mortgage loan applied for a mortgaged house generally cannot exceed the residual value of the mortgaged property.

Can the house bought by loan be mortgaged again?

Yes, you can. The second housing loan refers to the use of a house with a loan for two mortgage. Mortgaged houses can also be loaned. Unsecured houses can be mortgaged with a second loan according to the purchase contract. A mortgaged house can be mortgaged twice or twice in a short period of time, and the bank will approve the loan before lending. There is no risk. Customers in a hurry can borrow money from the bank on the same day.

First of all, there are prerequisites:

1. The real estate license has been obtained.

2. The property has residual value after deducting the previous mortgage loan amount. If the previous mortgage loan amount is far less than the property value, for example, the property value is 6.5438+0 million, only 6.5438+0 million is mortgaged, and there are more than 900,000.

3. The second mortgage can only take the residual value as the collateral value, and the general bank loan will be discounted, such as 60% off. You can only mortgage 90 times 0.6, which is 540 thousand.

4. In case of two mortgage, it is best to make additional mortgage loans in the same bank.

Two. Materials required for mortgage loan: 1. Application for loan (in duplicate); 2. Original and photocopy of ID card (1 copy), original and photocopy of household registration book (1 copy), marriage certificate and photocopy of spouse's ID card provided by the married person (each 1 copy); 3. Credit materials that prove the borrower's repayment source and repayment ability, such as salary certificate, tax bill, bank passbook (bill), securities, investment certificate and other property ownership certificates; 4. Original and photocopy of the letter of intent (one for each); 5. Real estate appraisal report;

6. Where other mortgages (pledges) are provided as phased guarantees, a list of mortgaged or pledged properties and ownership certificates, as well as a written statement of the person who has the right to dispose of them, including the spouse's consent to mortgage or pledge, shall be submitted.

Extended data:

The first and second mortgages are balance mortgages. According to the Property Law, as long as there is a balance in the value of the property after the first mortgage, it can be used as a second mortgage or a third mortgage. At present, the common forms of balance mortgage in China are generally five-color soil mortgage, pawn mortgage or professional loan company mortgage.

Second, the documents needed for the second mortgage.

Mainly according to the specific requirements of regional construction committees, usually only the applicant's real estate license (real estate license or house ownership certificate, land use certificate or purchase contract and invoice) and identity documents (resident ID card, military officer's card, etc.). ) are needed. According to the time of spending money in each district and county and the time of handling other rights certificates, in general, the loan can be released on the day of receiving other rights certificates.

Third, the requirements for the second mortgage of property.

Banks have different regulations on mortgaged properties, and have corresponding requirements on the completion date and the area where the property is located. For example, before 1995, there were more restrictions on real estate, or in some remote suburban counties, the loan ratio was less.

However, there is no restriction on the age and region of the property, and the property that can almost be registered as mortgage can be reasonably evaluated according to the price of similar property sold in the market at that time, so that the lender can obtain a higher loan ratio than the bank.