Secondary mortgage registration process:

(1) The handling bank has completed the registration of real estate mortgage as the first mortgagee according to the examination and approval requirements, and obtained the certificate of real estate ownership;

(two) the guarantee company and the mortgagor, the borrower and the handling bank shall prepare the following materials after reaching the intention of secondary mortgage registration:

1. Application Form for Real Estate Mortgage Registration issued by the mortgagor to the house registration authority;

2. Letter issued by the guarantee company to the handling bank that the next mortgage applicant knows the priority mortgage situation of our bank;

3. Letter issued by the guarantee company to the housing registration agency about the fact that the late mortgage applicant has known the priority mortgage;

4. The mortgage contract signed by the guarantee company and the mortgagor issued by the guarantee company to the housing registration agency;

5. "Entrusted Guarantee Contract" and "Counter-guarantee Contract" signed by the guarantee company and the borrower at the house registration authority (original).

The required information is as follows:

Id card,

Hukou book,

Marriage certificate,

Proof of income,

The bank is flowing,

Married to provide husband and wife information bank loan contract,

Half a year's bank flow,

Proof of residence,

Water and electricity invoices,

The purpose of the loan.

Mortgage loan can be divided into short-term secondary mortgage and bank secondary mortgage.

1. If you have a house and want a long-term loan, but you are in a hurry to use the money: you can pledge the loan from the company on the same day and then help you with the bank loan immediately. Normal bank loans take about a month to lend, and after lending, the bank repays on a monthly basis, which not only solves the problem of urgent need of money, but also solves the problem of high monthly supply pressure of long-term loans.

2. If you have a house and want to take a long-term loan: If you have a second mortgage on a house, apply for a loan from a new bank, and then release it from the original bank after the loan is approved, so as to ensure that the second loan can be approved. Bank loans only charge loan service fees. For normal commercial housing, 1% of the loan amount is charged as a service fee, which will be charged after the bank approves the loan.

3. If you only need money urgently for a short time and want to use the mortgaged house as a loan, there are two situations.

(1): There is a house book, and the procedure: mortgage registration-loan notarization-lending. You can lend money on the same day. This is a loan from a guarantee company, which repays the principal on a monthly basis and is generally suitable for customers who need money urgently in the short term.

(2): the house is not under: the house is not under, but the bank has a loan and wants a short-term turnover. This kind of house without room can only go to a guarantee company, and the short-term loan is up to one year. The procedures are incomplete, and the bank can't get a second loan.