Nowadays, house prices are generally very high, so most people basically apply for a mortgage loan when buying a house. So, can a mortgage house be mortgaged? Can I get a loan without collateral?

Can I get a mortgage loan for a mortgaged house?

Mortgage housing refers to the commercial housing purchased by the previous family through a mortgage and the loan has not been repaid. The main feature of a mortgaged house is that the property rights of the house are mortgaged to the bank, and the property owner is not allowed to sell the house without authorization.

(1) Judging from the current regulations of various banks, many banks do not accept the second mortgage business for individuals. Therefore, only after the loan has been paid off in full can the borrower apply for a mortgage loan.

(2) If the applicant plans to personally arrange the mortgage application for the property, then a more reasonable method is to find relatives and friends with sufficient funds, collect the remaining mortgage money, and then take it to the bank Pay off the remaining loan on the property, complete the mortgage release of the property, and then mortgage the property that has been released from the mortgage to the bank.

(3) Divide the loan obtained by mortgaging the property into two parts. One part is exchanged for relatives and friends who lend money to you, and the other part can be used for free disposal, whether it is for business turnover or for personal use. Life consumption is all personal freedom. This method requires someone to provide a working capital, which takes about two months and is divided into two stages: early repayment to release the mortgage and mortgage loan application.

Can I get a loan without collateral?

Unsecured loan, also known as unsecured loan, or credit loan. No collateral is required, only proof of identity, proof of income, proof of address and other materials, and a loan application from the bank. The bank issues loans based on the individual's credit situation. The interest rate is generally slightly higher than that of mortgage loans. Customers can apply for loans based on their personal credit conditions. Choose the loan term based on the specific circumstances, and then sign a contract with the bank to ensure it is guaranteed.

Moreover, it is generally applicable to Chinese citizens who are generally 25-55 years old, in good health, have a local household registration or have lived in the local area for more than one year, and have a certain normal income.

Can I get a mortgage loan for a mortgaged house? Can I get a loan without collateral? Regarding the question of whether a mortgaged house can be used for mortgage loans and whether a bank can provide loans without collateral, the above content has given a brief introduction and I hope it can be helpful to everyone.