The house can be mortgaged twice. But the conditions of the second loan are very harsh. The requirements are as follows: 1. The house used for secondary mortgage must be an existing house; 2. The property has been registered as a mortgage, and the handling bank is from housing mortgages; 3. The house has been insured, and the original policy is managed by the bank; 4. The balance of the house purchase loan with the secondary mortgage loan of the property is lower than 70% 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 amount of loans, it should be noted that there should be some loanable space for housing in two mortgage. In other words, if the first loan is close to 70% of the appraised value of the house, you may wish to consider applying for a credit loan. If the first loan amount only reaches 30% of the appraised value of the mortgaged house, choosing the second mortgage will undoubtedly greatly increase the loan amount.

2. Can my house be mortgaged twice?

You can apply for a second loan, but you may be rejected.

The loan house can be mortgaged and the house can be handled. Second, mortgage has higher requirements for things such as loans and houses. Generally, only those houses with good geographical location can be handled. In addition, as long as the real estate mortgage is repaid on time, housing rental and personal residence will not be affected.

If the house is mortgaged, it can live normally, but if the property owner transfers or changes it, it will be restricted without the mortgagee to dispose of the property right.

What conditions do housing mortgage loans need to meet?

(1) needs

(two) need to have a stable economic income and the ability to repay the principal and interest of the loan, and no bad credit record.

(three) the need for a legal and effective purchase contract.

(4) Purchase a new house as a high-mortgage house purchase contract, the house age is less than 10 years, and the house purchase price or payment is not less than the total house purchase price.

(5) The purchased mortgaged house has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has been acquired within 65,438+00 years.

(6) It can provide effective guarantee recognized by the loan bank.

I have a loan in my present house. I want to know if a second loan for my house is ok.

Hello, I can tell you for sure that you can't, because you can't apply for a loan until your loan is settled. As for borrowing 10 million years, how much do you need to pay back every month? I did the math for you. According to the current benchmark interest rate of more than five years, I need to repay the principal and interest 1 163.66 yuan every month. I hope I can help you.