I believe many people have encountered this problem. After buying the house with a mortgage, they still don’t have enough money. At this time, they can only choose to mortgage the house to the bank again. The editor below will tell you whether you can get a mortgage loan from a bank for a mortgaged house.

You can apply for a second mortgage loan.

Conditions for second mortgage loans:

1. For example, houses with second mortgage loans have relatively large development potential in the market;

2. If it is a second mortgage loan for a personal house, it must be an existing house;

3. The house must be a first-hand house purchased with a bank mortgage loan;

4. House mortgage After the registration is completed, the bank is the mortgagee of the house;

5. The house must be insured, and the original insurance policy must be maintained by the bank;

6. The house should be in a relatively superior location with convenient transportation and complete supporting facilities, so that it can have a relatively large appreciation potential.

What issues should be paid attention to when mortgaging a house for the second time?

1. Requirements for the second mortgage on the house

The requirement for the second mortgage of the house is that the property certificate must be in the borrower’s possession It only works in your hands. If it is in the bank or in the hands of others, this will cause the second mortgage to fail. In addition, various banks have different regulations on mortgage properties, and there are also some requirements for the age of construction and the area where the property is located.

2. The interest rate of the second mortgage

It can be said that this is something that people are more concerned about, which is the issue of interest rates. So I suggest you go to various banks to make a comparison, and then Make your choice again.

3. Calculation of the second mortgage amount

The amount of the second mortgage loan = property value * mortgage rate - the unpaid amount of the original loan. At this time, the bank will also determine the mortgage rate based on the actual situation. Generally speaking, the mortgage rate for personal housing will not exceed 70, and if it is a commercial house, it will not exceed 50.

4. Second mortgage period

The loan period is also determined by each institution and is different, so the loan period is also set differently. Different.

Summary: This is the introduction to the relevant information on whether the mortgaged house can be re-mortgaged from the bank. As long as the relevant conditions are met, you can apply again. Also, each application agency is different, so the application process is also complicated. different.