The house can be refinanced if there is a loan. This kind of mortgaged property is mortgaged again, which is called "secondary mortgage". The process of handling the second mortgage of the house: 1. With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a purchase contract or letter of intent; 2. Apply for a loan from the bank and submit relevant materials; 3. After the bank conducts credit investigation and review on the borrower, it will inform the borrower of the review results. If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a supplementary contract for housing mortgage loan with the seller, and the seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller; 4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller; 5. After obtaining the land and house property right certificate, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank; 6. The borrower repays the loan on schedule. Article 9 of the Measures for the Administration of Urban Real Estate Mortgage: If more than two mortgages are set for the same real estate, the mortgagor shall inform the mortgagee of the mortgages already set. The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property. After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.
Can a house with a loan still be loaned?
A house with a loan can also be loaned. A mortgaged house can be mortgaged. There are generally two ways: 1, through bank loans. Usually, it is necessary to repay the loan in advance, and then mortgage it in other banks after paying off the remaining loan of this property. However, in some banks, mortgage houses can be directly mortgaged. 2. Loans through guarantee companies. There is no need to prepay, but the loan amount generally cannot exceed the residual value of the mortgaged property. Article 35 of the Commercial Bank Law: Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Can I get a loan for my house?
A house with a loan can be loaned. Mortgage loan applicants only need to use their own property as collateral and apply for comprehensive credit from the bank in the form of high mortgage. After approval, under the premise of not exceeding the validity period and available amount of credit, the applicant can use the loan funds repeatedly to meet personal and family consumption needs such as decoration, study abroad, travel, car purchase, etc., for a maximum period of 30 years.
Can a house with a loan be refinanced?
At present, the house price is so high that many people can't pay the house price in one lump sum, so they will choose to buy a house with a loan, which can reduce the economic burden. So can a house with a loan be refinanced? What properties cannot be mortgaged? Next, Bian Xiao will introduce relevant contents to you. Let's have a look. Can rn use a loan to refinance a house? Rn can refinance the house with a loan. You can apply for a loan through a second mortgage, or you can repay the remaining loan through a guarantee company and then apply for a loan. A house with a loan can only apply for a second mortgage if certain conditions are met. If you are in a hurry, you can consider looking for a guarantee company to pay for it. Rn which properties can't be mortgaged? Rn 1, affordable housing for less than five years. According to relevant regulations, only affordable housing or price-limited housing that has expired for more than 5 years can be listed and traded, and real estate can be mortgaged. Rn2。 Small property right house. Small property houses refer to houses with only village certificates, county certificates, purchase contracts, purchase agreements and relocation agreements. These houses are collective land certificates or have no property certificates, and the housing management unit cannot recognize them. If this kind of housing encounters policy planning, it is very risky and it is impossible to apply for mortgage loans. Rn3。 Some bought public houses. Although most of the purchased public houses have been converted into individual independent property rights, there are still a few special ones. For example, some properties that cannot provide purchase contracts and agreements cannot be mortgaged to apply for loans because the ownership of such properties is still in a vague state. Rn4。 Second-hand houses that are too old and too small. General banks have strict regulations on mortgaged properties. Usually the area is less than or equal to 50 square meters, and the property with a room age of more than 20 years is difficult to mortgage. Rn article summary: The above is what Bian Xiao introduced to you: Can a house with a loan be mortgaged, and which properties cannot be mortgaged? I hope I can help some friends in need.
Can a house with a loan still be loaned?
The house can be used for mortgage loan. In this case, you can apply for a loan again. Generally speaking, this kind of behavior is called real estate mortgage, but whether the application can be passed depends on the personal situation (related to the borrower's age, repayment ability, salary level, etc. ). The amount of the loan application needs to be evaluated, mainly based on the market price of the house and the proportion of the loan outstanding. At the same time, you need to apply before mortgage. The application materials mainly include: ID card, household registration book, residence certificate, marriage certificate, property right certificate, loan contract, etc. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.