If you have a mortgage, you can still get a loan, because the house can be mortgaged twice. The second mortgage is more convenient than the first mortgage, and the loan speed is fast, but the interest rate is higher.

The requirements are as follows:

1. The house used for secondary mortgage must be an existing house; 2. The mortgage registration of the property has been completed, and the handling bank is the mortgagee of the house; 3. The real estate license is managed by the customer himself; 4. The balance of the house loan with the secondary mortgage amount of the property is less than 7% of the current house price; 5. The borrower has full capacity for civil conduct, stable income and good credit; 6. The property should be high-quality housing and commercial housing with great market development potential. Although two mortgage has effectively increased the loan amount, it should be noted that the housing two mortgage should be operated with certain loanable space. In other words, if the first loan amount only reaches 3% of the appraised value of the mortgaged house, choosing two mortgage will undoubtedly greatly increase the loan amount.

generally speaking, it is not so easy to apply for bank loans, and the failure of application will also affect the credit record. In order to get lower financing cost and handle large bank loans conveniently and quickly, we usually go to professional institutions, such as Dongguan Fangsu Loan. With their professional industry knowledge, they can help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing hotline: 769-33888836 Can I still get a loan if I have a mortgage?

Some mortgage users can continue to apply for a loan, but users are advised to apply for a bank loan first, because the bank has a high recognition of mortgage customers.

Of course, whether the loan application can pass the examination after submission depends on the examination 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 the application for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and so on put forward by the buyer 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 concluded 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.

on November 24th, 213, the latest survey data showed that according to the sample data from October 11th to November 11th, 17 of 32 cities suspended their mortgage loans.

Basic introduction:

Participants in mortgage loans, including commercial banks providing credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners), also need the participation of appraisal companies and mortgage guarantee companies when applying for loans.

Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that at the end of 21, 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 7%. 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 loan

Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied ordinary housing. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, individual 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, with housing provident fund deposits as the source of funds, to individuals who purchase ordinary housing. Also known as provident fund loans.

Self-employed loans

Self-employed housing loans are loans granted 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. I have a mortgage on me, can I still get a loan?

I can still get a loan if the mortgage is not paid off.

to apply for a loan in a bank, the bank mainly depends on the applicant's current repayment ability and credit record. If the applicant has a good credit record and has sufficient repayment ability, he can apply for a loan in the bank. The mortgage has not been paid off and the loan can be made. Whether an individual's mortgage is paid off has no effect on the individual's application for a loan.

What needs to be understood is that if you apply for a loan again at the bank because your mortgage has not been paid off, the bank will look at your repayment ability according to your current income and monthly mortgage. So in this way, because there are still mortgages to be repaid, the amount of loans that individuals can apply for will also have a certain impact.

if you want to buy a house through a loan, you must never do these things.

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

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

3. The monthly car loan payment is overdue for 2 to 3 months or not repaid.

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, it will also generate an annual fee, and if it is not paid, it will 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. Economic disputes such as debt arrears will also affect credit records.

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

1. Personal credit card shows tx

behavior.

11. student loans are not repaid in arrears.

12. The mobile phone charge is linked to the bank card charge. After the mobile phone is stopped, the relevant procedures are not handled, and it is overdue due to the lack of monthly fee.

13. Credit card arrearage records are generated by others using their ID cards or copies of ID cards.

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

several things you must not do when buying a house with a loan.