Some houses are being mortgaged, but due to lack of funds, they want to mortgage the mortgaged property again. This is called a second mortgage. So how should I borrow a house with two mortgages? What are the conditions for the second mortgage? 1. After the owner applies for the second mortgage, the bank will assign a special person to evaluate the value of the property, mainly to evaluate its appreciation potential, and then give reference value according to the evaluation results. 2. Owners need to issue personal identification certificate, property certificate, income certificate and other certification materials required by banks when handling the secondary mortgage of houses. 3. The lender needs to bring all the information to the bank for face-to-face signing and sign the mortgage application for the second house. 4. The bank will review the personal data of the property and the lender and calculate the loan amount at the same time. 5. After the approval, the lender needs to go to the bank to register the mortgage in person and wait for the loan. U = 4138492308,4241209713fm = 26gp = What are the requirements for a second mortgage of a house in 0.jpg? 1. Generally speaking, houses should have better room for maintaining and increasing value. 2. The house that can be mortgaged twice must be an existing house, not an auction house. 3. The borrower of the second loan should have good credit, and the existing mortgage loan has no serious overdue record. The borrower of the second loan must have a stable income. 5. Other conditions stipulated by the bank. Matters needing attention in secondary mortgage of house 1, loan amount. The loan amount of real estate in two mortgages is as follows: (1) loan amount = mortgage rate of house value-original loan principal balance; (2) Compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, the value of the house shall be the lower. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%. 2. The procedures and documents required for secondary mortgage and primary mortgage are basically the same. The legal effect after registration is different in the order of realizing mortgage. 3. Although the Measures for the Administration of Urban Real Estate Low Pressure stipulates that the second mortgage does not require the consent of the first mortgagee, it shall inform the second mortgagee. However, in the actual mortgage process, if the first mortgage contract requires the consent of the first mortgagee, it must be observed in accordance with the contract. At the same time, the second mortgagee must be informed of the mortgage loan, otherwise, the mortgagee has the right to request the mortgagor to stop its loan behavior according to the relevant regulations. 4. The right value of two mortgages shall not exceed the balance of the house value after the first mortgage guarantee. If the mortgagor can't pay off the debt, he will file an administrative lawsuit with the registration department.

How to borrow a second loan for mortgage house?

1, we can do it in two ways. The first way is through two mortgage. For example, we have a mortgage house in our own name, and it's time to repay it. We can apply for a second loan in the same bank, but the interest may be higher.

2. However, it must be noted that when we mortgage for the second time, we must be the same bank as the first mortgage bank. If the first mortgage was made in CCB, it would be impossible for the second mortgage to go to ICBC. The second loan will still be made in China Construction Bank. This is just an example for your reference.

3. There can also be a second form, which is to find a guarantee company to advance. If a property under your name is still mortgaged, and it has entered the repayment procedure and needs a lot of capital turnover, you can find a formal guarantee company to pay in advance and then pay off the loan.

What are the precautions for buying a house?

There are many ways to buy a house. Some people pay in full, while others use mortgage loans. However, there are still many mortgages. Please choose a regular bank instead of other financial institutions for mortgage loan, because the interest of other financial institutions is very high, which is likely to bring great losses to our economy in the later period.

How to handle the second loan of real estate?

1. The borrower submits the relevant information of two mortgages to the bank and applies for a loan.

2. The bank accepts the borrower's application and designates a professional appraisal institution to appraise the collateral.

3. The bank shall review the secondary mortgage information submitted by the borrower and handle relevant formalities.

4. If the bank passes the examination and approval, the borrower may entrust the guarantee company to handle the prepayment and mortgage cancellation procedures of the original loan.

5. After the original loan issuance procedures are completed, the borrower needs to go through the new mortgage registration procedures again.

6. After the formalities are completed, the bank issues the loan and the borrower repays it again.

How to borrow a second home loan?

The second mortgage of a house must first submit an application for the second mortgage to the loan bank to evaluate the output value of the house. You can only go through the secondary mortgage formalities after the bank agrees. The loan bank here is the bank you applied for a loan before, because the same property cannot be mortgaged to different banks. The second mortgage of a house must first submit an application for the second mortgage to the loan bank to evaluate the output value of the house. You can only go through the secondary mortgage formalities after the bank agrees. The loan bank here is the bank you applied for a loan before, because the same property cannot be mortgaged to different banks.

After the application is approved, you need to submit the information needed for the loan to the bank, and the bank will review your information and tell you the result after the review.

After approval, it is necessary to sign a second mortgage contract with the bank and go through the notarization procedures of the loan contract. Guarantee companies advance funds to reduce pressure; Go through the new mortgage registration procedures; After the formalities are completed, the bank will lend you money on the specified date.

There are also houses used for two kinds of mortgages: housing with large market development and commercial housing; The house used for personal housing in the secondary mortgage must be an existing house; The house is a first-hand house purchased with mortgage loan from China Bank; The mortgage registration of the house has been completed, and our bank is the mortgagee of the house; The house has been insured, and the original policy is managed by China Bank; The house has a superior location, convenient transportation and complete facilities.

Two mortgage is an additional loan service provided by China Bank for borrowers who have obtained housing mortgage loans from China Bank. After repaying a certain loan principal and interest, if you need funds for personal consumption or business temporarily, you can use the difference between the mortgage value of the house and the original loan balance as collateral and apply for a loan from the bank again. The loan project was cancelled on 20 13.

The borrower must be a primary mortgage loan customer of China Bank, with no interest default, stable income, good credit, the ability to repay the loan principal and interest on schedule, and have repaid the principal and interest on schedule for more than two years.