After the mortgage loan is issued, no additional loans can be issued. If you have a job, you can apply. The loan amount is determined according to the borrower's salary income. Generally speaking, the loan amount is 8-25 times the monthly salary.
2. Can a house with a loan be refinanced?
Calculate how much it will cost to decorate your home. Now the house price is very high, and many people can't pay the house price at one time, so they will choose to buy a house with a loan, which can reduce the economic burden. So can a house with a loan be lent? What properties cannot be mortgaged? Next, Bian Xiao will introduce the relevant contents to you. Let's have a look. \ r \ Can a house with a loan be refinanced? \ r \ nA A house with a loan can be refinanced, and a loan can be obtained through a second mortgage, or the remaining loan can be repaid by a guarantee company, and then a new loan can be applied. A house with a loan can only apply for two mortgage if it meets certain conditions. If you are in a hurry, you can consider looking for a guarantee company to pay for it. \r\nWhat properties can't be mortgaged \r\n 1, affordable housing for less than five years. According to relevant regulations, only affordable housing or price-limited housing that has expired for more than 5 years can be listed and traded, and real estate can be mortgaged. \r\n2。 Small property right house. Small property right houses refer to houses with only village certificates, county certificates, purchase contracts, purchase agreements and relocation agreements. These houses are collective land certificates or have no property certificates, so they cannot be recognized by the housing management unit. If this kind of house encounters policy planning, the risk is high, so it is impossible to apply for mortgage loan. \r\n3。 Some public houses have been purchased. Although most of the purchased public houses have been transformed into individual independent property rights, there are still a few special circumstances. For example, some properties that cannot provide purchase contracts and agreements cannot be mortgaged to apply for loans, because the ownership of such properties is still in a vague state. \r\n4。 Second-hand houses that are too old and too small. Generally speaking, banks have strict regulations on mortgaged property. Usually, it is difficult to mortgage a property with an area of less than or equal to 50 square meters and a room age of 20 years or more. \ r \ Abstract: The above is what Bian Xiao introduced to you: Can a house with a loan be refinanced and which properties cannot be mortgaged? I hope I can help some friends in need. Enter the area and get the decoration quotation for free.
Excuse me, if I have a mortgage, but I want to increase the loan, can I?
After the mortgage loan is issued, no additional loans can be issued. If you have a job, you can apply. The loan amount is determined according to the borrower's salary income. Generally speaking, the loan amount is 8-25 times the monthly salary.