Required procedures:

1. Evaluate about 70% of the general loan evaluation price first, and then provide ID card, household registration book, household registration book, income certificate and marriage certificate.

2. Go to the bank for an interview, get the loan approval letter, pay off the last bank loan in advance, and cancel the mortgage registration.

3. Go to the Construction Committee to register the second mortgage, and you can lend money within 3 days.

Extended information:

Two mortgage is different from the requirements of the first mortgage loan. Specific requirements include the following aspects:

1. Banks have higher requirements for the potential of secondary mortgage housing, generally targeting those high-quality housing or commercial housing with great market development potential. Such houses generally have a large room for appreciation, and the success rate of banks in reviewing secondary mortgages will be higher.

Second, the bank requires that the real estate in the secondary mortgage must be an existing house, and the auction house cannot be used as collateral for the secondary mortgage.

Three, apply for a second loan, the applicant bank and the original housing loan bank should be interlinked, there can be no separate loans between the two banks.

Housing secondary mortgage in addition to the above requirements, the secondary mortgage process generally includes five aspects:

First, after the owner applies for a second mortgage, the bank will assign a special person to evaluate the value of the property, mainly to evaluate its appreciation potential, and then give reference value according to the evaluation results;

Second, when the owner handles the second mortgage of the house, he needs to issue personal identity certificate, property certificate, income certificate and other supporting materials required by the bank;

Third, the lender himself needs to bring all the information to the bank for face-to-face, and sign the application form for the second mortgage of the house;

Fourth, the bank will review the personal data of the property and the lender and calculate the loan amount at the same time;

Finally, after the approval, the lender needs to register the mortgage in the bank and wait for the loan.

Housing two mortgage is a kind of mortgage loan that has attracted much attention in recent two years. Many of them are in urgent need of funds, and their property is being mortgaged. You can choose to use two mortgages to obtain funds. The second mortgage of houses is still relatively unfamiliar to some people, especially the mortgage process.

First of all, the so-called second mortgage of housing refers to the act of applying for a loan again in the process of mortgage loan, which is also a brand-new mortgage loan service for banks. When the house is located in two mortgage, the bank will re-evaluate the value of the house according to the principal and interest repaid by the owner. On the basis of evaluating the price, apply for a loan from the bank again with the value after deducting the loan balance as collateral.

How to buy a house in two mortgage?

If the mortgaged house needs a second loan, the customer can bring his personal ID card, proof of residence (household registration book, utilities, etc.). ), proof of work income (work permit, bank running water, etc. ), household assets and financial resources (large deposit certificate, automobile driver's license, etc. ) and property certificate, and go to the bank or formal loan company to ask for these materials.

However, if you want to apply for a bank, it should be noted that some banks do not support secondary mortgage. For example, China Merchants Bank does not accept the second mortgage, and the mortgaged property cannot be used as collateral to apply for a loan again (specifically according to the regulations of the local branch).

In addition, to apply for two mortgage, the following conditions must be met:

1, the house must be an existing house, and it is a residential or commercial house with great market development potential;

2. Real estate has surplus value and clear property rights;

3. The borrower has a stable income source and sufficient repayment ability;

4. Personal credit is good and there is no interest default.

What we need to note is that the amount that can be made by two mortgage of mortgaged houses is generally: house value × mortgage interest rate-original loan principal balance. Among them, the mortgage rate of housing mortgage secondary loans generally does not exceed 70%, and the mortgage rate of commercial housing secondary loans generally does not exceed 50%.

Fannie and Freddie mortgage, Straits Bank, will it be delayed if repayment is made in advance?

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According to the query of the real estate network, in the second mortgage, it is generally possible to repay in advance. Your loan contract stipulates that the time of each bank is different. Generally, it needs to be repaid 3 months in advance.

Fujian Strait Bank, established on February 27th, 1996, is headquartered at No.358, Jiang Bin Middle Avenue, Taijiang District, Fuzhou City, Fujian Province. On February 7, 2009, Fuzhou Commercial Bank was renamed Fujian Strait Bank.