1, Industrial and Commercial Bank of China;

2. China Merchants Bank;

3. Jiangsu Bank;

4. Industrial Bank;

5. Ping An Bank;

6. Minsheng Bank.

Most banks don't accept mortgage houses or houses in arrears, but some banks can accept mortgage loans from mortgage houses. However, the procedure is a little troublesome, and it is necessary to redeem the house with advance money and pay off all the debts left over from the first mortgage. Some lending institutions can also accept it, as long as the property has a certain residual value, but the relative loan risk will be higher.

The conditions for the second mortgage of real estate are as follows:

1. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;

2. The house used for personal housing in the second mortgage must be an existing house;

3. The house is a first-hand house purchased by a bank mortgage loan;

4. The mortgage registration of the house has been completed, and our bank is the mortgagee of the house;

5. The house has been insured, and the original policy is managed by China Bank;

6. The house has excellent location, convenient transportation, complete facilities and great appreciation potential.

Loan amount = house value * mortgage rate-original loan principal balance. The value of the house is compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, and the lower one is taken. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%.

When applying for housing in two mortgage, you need to pay attention to good personal credit information; Formal and clear purpose of the loan; The mortgaged house has obtained the title certificate.

If the house type falls into one of the following circumstances, all loan banks will reject the personal loan application:

1, long room age;

2. Second-hand houses with small area;

3. Houses with disputed ownership;

4. Small property houses;

5, 5 years of affordable housing;

6. Illegal buildings;

7. Public housing;

8. Houses within the scope of demolition.