No additional loans can be made after the mortgage is 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 that the house price is so high, many people can't afford 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 refinanced? What properties cannot be mortgaged? Next, Bian Xiao will introduce relevant contents to you. Let's have a look. \ r \ Can a house that has already been loaned be refinanced? \ r \ nA A house with a loan can refinance, get a loan through a second mortgage, or pay the remaining loan to a guarantee company, and then apply for a new loan. A house with a loan can only apply for a second mortgage if certain conditions are met. 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 under 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 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, and the housing management unit cannot recognize them. If this kind of housing encounters policy planning, it is very risky and it is impossible to apply for mortgage loans. \r\n3. Some public houses have been purchased. Although most of the purchased public houses have been converted into individual independent property rights, there are still a few special ones. 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. General banks have strict regulations on mortgaged properties. Usually the area is less than or equal to 50 square meters, and the property with a room age of more than 20 years is difficult to mortgage. \ r \ Abstract: The above is what Bian Xiao introduced to you: Can a house with a loan be remortgaged 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 add a loan, can I?
No additional loans can be made after the mortgage is 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.