If it is handled through China Merchants Bank, we do not accept secondary mortgage at present, that is, the mortgaged property cannot be used as collateral to apply for a loan again; Specific policies can also contact the personal loan department of local outlets for consultation and confirmation.

Second, buy a house in Changsha and two sets in Shenzhen?

Buy a house in Changsha and another one in Shenzhen. According to the system of the Housing Construction Committee, it is the first set in Shenzhen, and the tax is paid according to the first suite. Because the national real estate registration system is not connected to the internet, the Shenzhen Housing Authority can't find the real estate situation in Changsha. If the real estate in Changsha has a loan, Shenzhen also needs a loan to buy a house, and the down payment and interest rate of the mortgage are calculated according to the second set. The national banking system is networked, and loans can be found as long as there are loans.

Third, emergency help: Can I get a loan to buy a second-hand house in Shenzhen now?

Learn about the specific situation of each bank on the spot, or call the corresponding customer service hotline for consultation. For example, ICBC 95588, CCB 95533 and China Merchants Bank 95555 are generally second-hand, and now the housing prices in Shenzhen are ridiculously high.

4. What are the conditions for second-hand housing loans in Shenzhen?

Shenzhen second-hand housing loan processing flow is as follows:

1. The house that needs to apply for a loan must have clear property rights (the house ownership certificate has been handled) and meet the conditions stipulated by the government for entering the real estate market.

2. Select the real estate transaction institution designated by the bank that can handle mortgage loan business, and complete the real estate value appraisal work and pay the real estate appraisal fee in this institution.

3. Prepare the following application materials and fill in the application form for second-hand housing loan at the loan bank:

(1) Identity certificate (resident ID card, household registration book or other valid residence certificate), education certificate and marital status certificate;

(2) Proof of economic income and other property certificates, including deposit certificates and securities, can be provided selectively; The more comprehensive the above certification materials, the higher the score of the bank in the loan evaluation, and the better the conditions for enjoying the loan amount and time;

(3) The purchase agreement signed by the buyer and the seller;

(4) the certificate of agreeing to mortgage the purchased house;

(5) Having its own funds not less than 30% of the purchase price;

(6) Other documents or materials required by the lending bank.

The Seller shall provide the following information:

(1) Identity certificate and photocopy of the seller (including the owner of * * *) and proof of marital status;

(2) the written document of the owner of the house agreeing to sell; 3. The house ownership certificate and a copy of the house sold;

(4) If the house has been rented, the certificate of the lessee's consent to the sale shall be provided;

(5) Proof that the house sold meets the conditions for listing and sale.

4. The bank will review the authenticity, legality and compliance of the information sent by the buyer, as well as the credit status of the borrower. After the approval, a loan commitment letter will be issued to the buyers, and the bank will indicate the mortgage loan for several years.

5. The buyer will deposit the down payment of the house into the account of the real estate transaction institution designated by the bank, which will freeze it. After the down payment is delivered and the loan commitment letter is signed, the seller goes through the house transaction formalities.

6. After the house transaction formalities and the new Property Ownership Certificate are completed, the buyer signs a loan contract with the loan bank and goes through the mortgage, insurance and other related guarantee procedures.

7. After the loan contract comes into effect, the funds will be transferred to the account designated by the buyer, and then the buyer will deliver the loan and the down payment to the seller together.