1. Can a mortgaged house be mortgaged?
Yes If the house that has repaid the mortgage applies for a loan again, it is also called the second mortgage of the property. Whether it can be approved by the bank depends on the lender's age, salary level and personal repayment ability. In addition, the loan amount of the house needs to be combined with the current market price of the house and the proportion of outstanding loans.
Second, what is the process of handling mortgage loans?
1. Lenders need to prepare relevant loan materials and loan application forms (indicating the purpose and amount of the loan) and apply to the bank.
2. If the person applying for mortgage loan is an individual, then the borrower needs to submit ID card, work situation, credit report, bank account number, etc. If it is an enterprise applying for mortgage loan, it needs business license, enterprise capital verification report, bank statement, financial statement, asset certificate, etc.
3. After all the materials are handed over to the bank, the bank staff will review the authenticity of the materials and evaluate the house price.
4. After evaluating the house price, the real estate appraisal company will submit the appraisal report and opinions to the bank, and the bank will judge whether to grant the loan through these materials.
5. After the approval of the bank, the borrower needs to go to the bank to sign the loan contract and sign the relevant documents.
6. The staff of the bank will go to the Housing Authority for mortgage registration with the ownership of the house and the loan contract.
7. After the formalities are completed, the bank will transfer the loan amount to the account number designated by the lender or the account number of the cooperative merchant, and the lender needs to repay the loan on time.
As for whether a mortgaged house can be mortgaged or not, what is the process of handling mortgage loans? Let me introduce it here first. Are you clear? The house under mortgage repayment can be loaned, but the lender needs to meet the standards set by the bank. After all, banks won't take too much risk in lending.