1 The loan has not been paid off. If it meets the requirements, a second loan can be made. Submit the information required by the bank, such as: ID card, household registration book, income certificate, bank running water, etc. Need to provide proof of basic information of 1 loan repayment, that is, the repayment account is running; After the bank reviews, it will issue loans when it is determined that it has the repayment ability. This final result can only be based on consulting local banks, which is feasible in theory, but different banks will have corresponding audit system requirements, so there is no absolutely accurate result.

There are several situations when the mortgage has not been paid off and you want to borrow: the bank policy has rigid requirements, and the monthly repayment amount can only be half of the total family income. For example, if the monthly mortgage repayment is 2,000 yuan and the total family income is 8,000 yuan, then the total repayment amount is 4,000 yuan, which means that another 2,000 yuan can be borrowed. This situation is aimed at houses that do not repay loans.

The house that is changing loans wants to be mortgaged again. This situation needs to be reassessed and proof of income or property should be provided. However, banks are generally too troublesome, and it is generally recommended to settle the mortgage and refinance.

Individuals use bank loans to buy a second house property, but the first house loan has not been paid off, and the bank will evaluate it in combination with the purchaser's own income ability, personal credit rating, repayment ability and the sum of the second house loan. Eligible people can apply for a second home loan.

Individuals who use provident fund loans to buy two houses can use provident fund loans to buy a second house if the first house is a bank commercial loan. If the first house is a provident fund loan and the loan has not been paid off, they can't use the provident fund loan to buy a second house!

If the borrower's property is in the process of mortgage repayment, it can't be used for mortgage loan before the loan is paid off, because the borrower has mortgaged the real estate license to the bank during the mortgage loan process, and the property belongs to the bank before the loan is paid off. Without the title certificate, the borrower can't handle the mortgage registration of the property, so he can't handle the mortgage loan.

However, if the borrower has strong repayment ability, stable work income and good personal credit, he can also apply for a credit loan from the bank again. Usually the loan amount is about 5- 10 times of the borrower's monthly income. However, according to the relevant regulations, the bank requires that the sum of the original monthly repayment amount and the current monthly repayment amount of the borrower shall not exceed 50% of the total household income. If the borrower's debt ratio is too high, it will be more difficult to apply for a loan again, and the specific situation needs to be considered by the borrower in combination with his own actual situation.