After the loan, the user can apply for a loan again. Users need to keep the record of timely repayment of previous loans. Repayment on time will not produce overdue records and overdue interest, and personal credit information will not be affected. Users can naturally apply for loans again. At the same time, previous loans cannot lead to higher personal debt ratio. When the personal debt ratio is high, it will affect the audit results of re-applying for loans.
The user's personal credit information is good, and the repayment ability is sufficient. He was still repaying the loan before. As long as the user meets the loan conditions for refinancing, then the user can submit a loan application. Even, the record of repayment on time before belongs to a good credit record, and there is a good credit record in the credit investigation, which is helpful for users to pass the loan review.
When users apply for loans again, they should pay attention to the loan interval and loan time. Frequent application for loans may lead to personal credit information being squandered. After the personal credit information is spit out, the loan application will be more stringent.
Extended data:
Requirements and conditions of second real estate loan
1. The borrower has no interest default, stable income and good credit;
2. The borrower has the ability to repay the principal and interest of the loan on schedule, and has repaid the principal and interest on schedule for more than two years.
3. The house used for personal housing in the second mortgage must be an existing house;
4. Housing mortgage registration has been handled, and the handling bank is from housing mortgages;
5. The house has been insured, and the original policy is managed by the bank;
6. The houses used for secondary mortgage should be residential and commercial houses with large market development;
7. The house has a superior location, convenient transportation, complete supporting facilities, and a large;
If I have a loan, can I apply for a mortgage again?
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Most people use mortgage loans to buy a house, but if they already have a loan to repay and want to buy a house, can they still apply for a mortgage? If I have a loan, can I get a mortgage? Will the bank agree? Let's take a closer look with Bian Xiao.
If I have a loan, can I get a mortgage?
1. As long as the lender has strong repayment ability, has not experienced credit overdue before and can repay on a regular basis, it is also possible to borrow a mortgage again if there is a loan.
2. If an individual has applied for a mortgage in a loan bank and the mortgage has not been repaid, whether he can apply for a loan again depends mainly on the lender's current credit situation, economic income and repayment ability. Therefore, when applying for a loan, the bank requires the lender to have sufficient repayment ability before applying for a loan.
3. If the lender's personal mortgage has not been paid off, there is already a certain amount of debt. When you apply for a loan in the bank again, the bank will look at the repayment of the lender's two loans. Generally speaking, the individual's monthly repayment amount cannot exceed 50% of the lender's monthly income. If it exceeds, it means that the lender does not have enough repayment ability.
Therefore, if you want to apply for a loan again, as long as the lender has enough repayment ability, you can apply for a loan again. In addition, if the lender can provide multiple guarantees when applying for a loan again, it can also improve his chances of loan success.
5. Under normal circumstances, when there is a credit loan, the personal credit record and the bank's loan system will show it. In this case, if you want to borrow money to buy a house again, then the loan bank will examine the lender's personal repayment ability.
6. In order to ensure that the lender can have a stable repayment ability, the loan bank stipulates that the sum of the original debt ratio and the existing debt ratio of the lender cannot exceed 50% of the total household income, so before handling the loan, the lender had better decide according to his own economic ability and do what he can.
7. No matter which loan method the lender applies for, the lending bank will strictly examine the lender's personal credit record, so the lender should also develop good credit habits in daily life to avoid bad personal credit record caused by overdue repayment.
8. If you already have a loan and want to apply for a mortgage again, the loan must be paid off before the date stipulated by the bank, and the repayment shall not be overdue. For lenders with more loans, once the repayment is overdue, it will become very difficult to apply for any loans.
9. When judging the lender's credit status, the bank mainly examines the lender's recent credit transactions. If the lender fails to repay the loan occasionally, but pays it in full and on time, the bank will consider that the occasional overdue may be caused by carelessness, so it is likely to make an exception in the loan approval.
10. After the lender successfully applies for a loan, the lender needs to repay two loans every month, so the repayment pressure will increase a lot. Therefore, it is very necessary for lenders to make repayment plans in advance before handling loans.
These are all questions about whether you can get a mortgage with a loan. Friends who want to borrow money can learn more about it. If your loan is successful, then everyone has to repay two loans, so the repayment pressure will become much greater, so you must make a repayment plan before handling the loan.
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I have a mortgage on me. Can I still get a loan?
You can still borrow money if the mortgage is not paid off.
When a bank applies for a loan, the bank mainly looks at the applicant's current repayment ability and credit history. If the applicant has a good credit record and sufficient repayment ability, he can apply for a loan in the bank. The mortgage has not been paid off, so you can borrow money. Whether the personal mortgage is paid off has no effect on the individual's application for a loan.
What needs to be understood is that since the personal mortgage has not been paid off, if you apply for a loan in the bank again, the bank will look at your repayment ability according to your current income and monthly payment. So in this way, because there are still mortgages to be repaid, the amount of loans that individuals can apply for will also have a certain impact.
If you want to buy a house through a loan, you must not do these things.
1. The credit card is overdue for three consecutive times (or six times in two years).
2. The monthly payment is overdue for 2 to 3 months or not returned.
3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.
4. If the loan interest rate is raised, the monthly payment will still be paid according to the original amount, resulting in overdue interest.
5. Sleep credit card, if it is not used after activation, will also generate an annual fee, and will not generate a negative credit record.
6. Credit card overdrafts and mortgage loans are not repaid on time.
7. When providing a guarantee for a third party, the third party fails to repay the loan on time.
8. Economic disputes such as debts will also affect credit records.
9. Water, electricity and gas charges are not paid on time.
10. Personal credit card appears in tx.
The behavior of.
1 1. The student loan is in arrears.
12. The mobile phone charge is linked to the bank card charge. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.
13. Being fraudulently used by others or a copy of ID card generates a credit card arrears record.
It can be seen that many of these things are easy to ignore in our daily life. Once a bad credit record is accidentally generated, it is a particularly troublesome thing for buying a house with a loan.
Several things you should never do when buying a house with a loan.