1. The ownership of the mortgaged house belongs to the bank, so the owner actually has no right to use it to refinance. However, because the house is a mortgage house, you can apply for a mortgage in the bank twice without a real estate license. However, to handle this kind of loan, it is required that the bank that handles the housing mortgage loan has this business, and at the same time, it is required that the applicant's housing mortgage loan has been repaid on time for more than two years, and the house can only be handled with a certain mortgage value.

2. If the individual wants to use the mortgaged house to find another bank or guarantee company to handle the secondary mortgage. It is required to apply to the bank for real estate license first, and then apply for mortgage housing in two times. For mortgage houses with only purchase contracts, if you want to apply for real estate mortgage loans, you can only look at whether the banks that apply for mortgage loans can apply for secondary mortgages. If the loan amount required by individuals is not high, they can also apply directly to the bank for personal consumption loans or business loans.

What should I pay attention to in the second loan?

1, loan company

Pay attention to the loan company for the second loan. This should be clear, because many loan companies have done other things in the name of your loan. Of course, if it is a formal company, it will not encounter such problems. Therefore, when handling, you must not trust the real estate mortgage company on the roadside.

2. Repayment situation

Pay attention to the repayment of the second loan and check the repayment in real time. Once the loan is settled, the credit report shows that you can apply for a second mortgage. Attention. Time difference before and after, if a regular company, I can help you check. Some real estate agents can also help you with this kind of business. Of course, it is still the same word: reliable.

3. The amount of real estate mortgage loan

Pay attention to the amount of real estate mortgage loan for the second loan. If you have paid off all the loans, but the money of the second loan is almost the same as the money you paid back, there is no need to toss about.

The process of refinancing mortgage house

1. The process of transferring a mortgage house to a mortgage requires users to provide information: after selecting an institution, you can submit an application with the materials required by the applicant institution;

2. Appraisal of real estate: When the mortgaged house is converted into mortgage, general lending institutions, especially banks, require to go to a designated or recognized appraisal agency for appraisal. Appraisal fees will be charged at the time of appraisal, generally around three thousandths to five thousandths. The differential rates are progressive, the charges of different households are not necessarily the same, and the charging standards in different regions are different;

3. The bank will review the materials and go through the relevant formalities: we basically have no problem at this stage, and the loan will conduct a preliminary review of the basic materials we submitted before, and the review meets their requirements; Redeem the building; Mortgage registration, start repayment again.