You can get mortgages and bank loans. Applying for a bank loan to buy a house with a mortgage can be regarded as a second home loan. At present, banks have this business. In addition, if you apply for other loans, you can generally apply because they belong to different loan businesses. As long as the borrower has good credit and repayment ability, he can borrow money. Article 9 of the Measures for the Administration of Urban Real Estate Mortgage: If more than two mortgages are set for the same real estate, the mortgagor shall inform the mortgagee of the mortgages already set. The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property. After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.

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. Debt and other economies will also affect credit records.

9. Water, electricity and gas charges are not paid on time.

10. Personal credit card cashing.

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.

The mortgage has not been paid off, can I still borrow money to buy a house?

If the loan is not paid off, you can generally borrow money to buy a house. However, banks need to review the application materials, whether they have repayment ability and decide whether to lend money.

Paragraph 1 of Article 16 of the Measures for the Administration of Commercial Housing Sales stipulates that a real estate development enterprise shall conclude a written commercial housing sales contract with the buyer when selling commercial housing.

Article 400 of the Civil Code stipulates that the parties shall conclude a mortgage contract in writing when establishing a mortgage right.

A mortgage contract generally includes the following clauses:

(1) The type and amount of secured creditor's rights;

(2) The time limit for the debtor to perform the debt;

(3) The name and quantity of the mortgaged property;

(4) the scope of the guarantee.

Article 667 stipulates that a loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Legal basis:

Article 400 of the Civil Code

To establish a mortgage, the parties shall conclude a mortgage contract in writing.

A mortgage contract generally includes the following clauses:

(1) The type and amount of secured creditor's rights;

(2) The time limit for the debtor to perform the debt;

(3) The name and quantity of the mortgaged property;

(4) the scope of the guarantee.

If the bank fails to repay the loan, can it apply for a loan to buy a house?

First of all, answer directly.

You can also apply for a loan to buy a house before the loan is paid off.

Second, the specific analysis

As long as the loan amount owed is not particularly large, the borrower's debt ratio will not be very high, which will not have any impact on the borrower's application for mortgage.

Even if the amount owed by the loan is large, which makes the borrower's debt ratio relatively high, it does not mean that the borrower cannot make a mortgage.

As long as the borrower's personal credit is good, he can provide enough information to prove that he has the ability to repay the loan on time and meet other requirements put forward by banks or lending institutions, it is also possible to obtain a mortgage loan.

And the debt ratio is too high, you can also choose to pay off part of the debt first, and then apply for a mortgage.

However, it should be noted that if the loan repayment is overdue and reported to the central bank's credit information system, leaving a bad credit record in the personal credit information report will have a serious impact on the mortgage approval, and it will be very difficult for the borrower to apply for a mortgage later.

Therefore, everyone must remember to repay on time to avoid overdue.

You can get a big data report in Winnie Hsin, find out your overdue records, and classify your online loans into formal and informal, seeking credit and seeking credit. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

3. Can I go to mortgage to buy a house?

You can still buy a house with a mortgage, because as long as you meet the requirements of lending, banks and lending institutions will give you loans.

Banks and lending institutions give you loans mainly to check your credit status and whether you have the ability to repay the loan principal and interest on time, so as long as your personal credit is good, there is no overdue repayment, and the residual income after paying off the mortgage is still sufficient, then banks and lending institutions will also agree to your loan application.

Of course, if you have an outstanding mortgage and apply for a loan to buy a house again, banks and lending institutions may increase your down payment ratio or raise your loan interest rate, and you may not enjoy the preferential loan interest rate.

Therefore, if you have a mortgage that has not been settled, it is recommended not to borrow money to buy a house immediately. After all, this will lead to a lot of pressure on your loan.

Can I borrow money to buy a house?

If you have one, you can still buy a second suite with a loan. If the loan is not settled, the second suite policy will be implemented according to the new policy. Adjust the low down payment ratio to not less than 40%, and reduce the business tax exemption period of individual housing transfer from more than 5 years (including 5 years) to more than 2 years.

1. Can I get a loan to buy a house?

If you have one, you can still buy a second suite with a loan. If the loan is not settled, the second suite policy will be implemented according to the new policy. Adjust the low down payment ratio to not less than 40%, and reduce the business tax exemption period of individual housing transfer from more than 5 years (including 5 years) to more than 2 years.

Criteria for determining the new first suite:

1, after the loan has been settled, buy a house-the first set.

I bought a suite with a loan and then sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house-the first set.

3. I bought a mortgage to buy a house in full-the first set.

4. I bought a suite in full and sold it. If I can't find the property in the housing registration system, I will take out a loan to buy a house-the first set.

5. The commercial loan records of two suites under the personal name have all been paid off and sold. At the same time, two sets of house sales certificates can be provided. In this case, when refinancing, the first set will count.

6. One commercial loan in the name of an individual has been paid off, and the other loan has been sold and can provide proof that the house can be sold. Apply for a business loan and buy a house-the first set of calculations.

7. One spouse buys a house with a commercial loan before marriage, and the other spouse buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the down payment ratio according to specific factors such as the borrower's solvency and credit status.

8. One spouse has a house before marriage but no loan record, and the other spouse has a loan record before marriage but no real estate under his name. After marriage, he bought a house and applied for a loan-the first set of calculations.

Second, there is already a loan room. How can I borrow money to buy a house again?

1. The Buyer and the Seller sign a house purchase and sales agreement or;

2. Eligible buyers apply for loans from loan banks and provide relevant certification materials;

3. The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal;

4. The firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions;

5, after the approval of the loan bank, notify the loan applicant whether to agree to the loan;

6. The buyer and the seller go through the formalities, and after the transfer, the borrower goes to the bank to go through the loan formalities;

7. The purchaser signs a loan with the loan bank;

8. The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration;

9. After the loan is issued, the loan bank pays the funds according to the loan contract;

10. The borrower repays the loan monthly;

1 1. The borrower pays off the principal and interest of the loan and terminates the loan.

Through the above detailed introduction, we can clearly answer that we can still borrow money to buy a house when we already have a house with a loan. The answer is yes. From the above summary, we can also understand the main eight criteria for the new first suite. In addition, the specific process of how to refinance the loan house is clearly given above. I hope the above contents will help you buy a house with a loan.

So much for the introduction of buying a house with a mortgage.