1. Urban transfer is the housing construction of villagers (residents), and the land used is generally obtained by allocation, which reduces the development cost of real estate to a certain extent and the sales price is lower. In addition to the production and living use of rural collective economic organizations and villagers, part of the land in the village has been developed into real estate, and the developed houses can enter the market for sale.
2. If you can get the real estate license, you can apply for a mortgage loan. If you can't get the real estate license, you can't get the mortgage.
Second, can the mortgaged house get a second loan?
A mortgaged house can be mortgaged. Generally speaking, there are two methods:
1, through bank loans. Usually, it is necessary to repay the loan in advance, and then mortgage it in other banks after paying off the remaining loan of this property. However, in some banks, mortgage houses can be directly mortgaged. Banks have different requirements for the second loan of mortgage houses. I suggest you consult your local bank outlets in detail.
2. Loans through guarantee companies. There is no need to prepay, but the loan amount generally cannot exceed the residual value of the mortgaged property.
It should be noted that not all properties can be mortgaged twice. The second mortgage of real estate is usually restricted by certain conditions. The conditions are as follows: the house used for the second mortgage of individual housing must be an existing house, and the house should be a high-quality house or a commercial house with great market development potential. If the property has no high economic value, it is usually impossible to apply for a loan smoothly. In other words, usually only houses with superior location, convenient transportation, complete facilities and great appreciation potential can apply for a second mortgage.
In addition, the amount of the second mortgage of the property will not be very high. Generally speaking, loan amount = mortgage rate of house value-balance of original loan principal.
This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.
3. If my house is mortgaged, can I get the first two mortgage?
Mortgage-to-mortgage refers to that if the mortgage of the house has been handled in the bank and the repayment is normal for more than one year, the house that meets the requirements of the bank can apply for the second mortgage of the bank. At present, most large guarantee companies and banks have cooperated to carry out the "mortgage-to-mortgage" business without paying off the original arrears. For the mortgaged house that has appreciated, apply to the bank for refinancing again. In this way, the appreciation part of the house can be realized without a building, and you can apply to the bank for a loan line for the appreciation part. After reviewing the relevant information, the bank mainly carries out the appreciation of real estate, and can lend 70% of the current market value of real estate. This is not exactly the same as real estate mortgage, because there is no need to repay the mortgage, the longest term is signed, and the repayment method is the same as mortgage repayment. But ... the interest rate is higher than that of ordinary mortgage loans, with an annual interest rate of 4-7 days 18%.