Yes, you can. The second housing loan refers to the use of a house with a loan for two mortgage. Mortgaged houses can also be loaned. Unsecured houses can be mortgaged with a second loan according to the purchase contract. A mortgaged house can be mortgaged twice or twice in a short period of time, and the bank will approve the loan before lending. There is no risk. Customers in a hurry can borrow money from the bank on the same day.

First of all, there are prerequisites:

1. The real estate license has been obtained.

2. The property has residual value after deducting the previous mortgage loan amount. If the previous mortgage loan amount is far less than the property value, for example, the property value is 6.5438+0 million, only 6.5438+0 million is mortgaged, and there are more than 900,000.

3. The second mortgage can only take the residual value as the collateral value, and the general bank loan will be discounted, such as 60% off. You can only mortgage 90 times 0.6, which is 540 thousand.

4. In case of two mortgage, it is best to make additional mortgage loans in the same bank.

Two. Materials required for mortgage loan: 1. Application for loan (in duplicate); 2. Original and photocopy of ID card (1 copy), original and photocopy of household registration book (1 copy), marriage certificate and photocopy of spouse's ID card provided by the married person (each 1 copy); 3. Credit materials that prove the borrower's repayment source and repayment ability, such as salary certificate, tax bill, bank passbook (bill), securities, investment certificate and other property ownership certificates; 4. Original and photocopy of the letter of intent (one for each); 5. Real estate appraisal report;

6. Where other mortgages (pledges) are provided as phased guarantees, a list of mortgaged or pledged properties and ownership certificates, as well as a written statement of the person who has the right to dispose of them, including the spouse's consent to mortgage or pledge, shall be submitted.

Extended data:

The first and second mortgages are balance mortgages. According to the Property Law, as long as there is a balance in the value of the property after the first mortgage, it can be used as a second mortgage or a third mortgage. At present, the common forms of balance mortgage in China are generally five-color soil mortgage, pawn mortgage or professional loan company mortgage.

Second, the documents needed for the second mortgage.

Mainly according to the specific requirements of regional construction committees, usually only the applicant's real estate license (real estate license or house ownership certificate, land use certificate or purchase contract and invoice) and identity documents (resident ID card, military officer's card, etc.). ) are needed. According to the time of spending money in each district and county and the time of handling other rights certificates, in general, the loan can be released on the day of receiving other rights certificates.

Third, the requirements for the second mortgage of property.

Banks have different regulations on mortgaged properties, and have corresponding requirements on the completion date and the area where the property is located. For example, before 1995, there were more restrictions on real estate, or in some remote suburban counties, the loan ratio was less.

However, there is no restriction on the age and region of the property, and the property that can almost be registered as mortgage can be reasonably evaluated according to the price of similar property sold in the market at that time, so that the lender can obtain a higher loan ratio than the bank.

Can the real estate license be mortgaged again?

The real estate license has been mortgaged and can be mortgaged twice. Secondary mortgage belongs to balance mortgage. According to the provisions of the Property Law, as long as there is a balance in the value of the property after the first mortgage, the second mortgage can be made. Generally, only the applicant's real estate license (real estate certificate or house ownership certificate, land use right certificate or purchase contract and invoice) and identification documents (resident ID card, military officer's card, etc.) are required. ) to handle two mortgage loans.

According to article 199 of People's Republic of China (PRC) Property Law, if the same property is mortgaged to more than two creditors, the proceeds from auction and sale of the mortgaged property shall be paid off in accordance with the following provisions:

(1) If the mortgage has been registered, it shall be paid off in the order of registration; In the same order, it shall be paid off according to the proportion of creditor's rights;

(2) The registered mortgage is paid off before the unregistered mortgage;

(3) If the mortgage is not registered, it shall be paid in proportion to the creditor's rights.

Extended data:

Article 194 of People's Republic of China (PRC) Property Law stipulates that the mortgagee may give up the mortgage or the sequence of the mortgage. The mortgagee and the mortgagor may change the order of mortgage rights and the amount of secured creditor's rights through agreement, but the change of mortgage rights shall not adversely affect other mortgagees without the written consent of other mortgagees.

If the debtor mortgages his own property, and the mortgagee abandons the mortgage, the mortgage order or changes the mortgage, other guarantors shall be exempted from the guarantee liability within the scope of the mortgagee's loss of priority rights, except that other guarantors promise to still provide the guarantee.