Can a mortgaged house be mortgaged again?
You can apply to the bank for a second mortgage, but you must meet the relevant requirements of the bank. For example, the applicant has legal documents, has reached 18, and the loan period is no more than 65 years old; Have a stable job and financial resources, and can repay the principal and interest on time: personal credit information is good, and there is no bad record such as overdue repayment.
What are the precautions for buying a house with a loan:
1. Choose a suitable bank before lending.
At present, banks provide great choices for applicants in the down payment ratio, and will also adopt personalized combination schemes for different groups to choose from. Even if some customers have already handled the mortgage business, they can still transfer to their own suitable banks and enjoy more comprehensive mortgage services.
2. Know the interest rate of the loan.
Secondly, when buying a house with a loan, we should pay attention to the loan interest rate. If you think that the interest rate may continue to rise in the future, you can choose a fixed interest rate. On the other hand, if you think the interest rate will fall in the future, you can suggest choosing floating interest rate, which can save a lot of interest.
3. Adhere to the principle of loose down payment.
Finally, when making a loan, the buyers should comprehensively consider the existing income and the monthly repayment times to avoid overdue repayment or failure to repay the loan. In addition, after paying the down payment, some funds should be reserved for later decoration of the house and furniture.
Summary: The above is about whether the mortgaged house can be mortgaged again and what matters should be paid attention to when buying a house with a loan. I hope I can help my friends in need. If you need to know more in the future, please pay attention to Qijia. com。