Which banks can do the second mortgage of real estate?

At present, most banks that make second mortgage in Shanghai choose China Merchants, Minsheng, Guangfa, Zheshang, Ningbo and Wenzhou. Because these banks have different advantages for different customer groups, such as people's livelihood, investment promotion and Guangfa, the interest rate is low, but the requirements are relatively high. Zheshang, Ningbo, Wenzhou and other banks have slightly higher interest rates, but the requirements are relatively low.

If a real enterprise operates as you say, then attracting investment, Guangdong's development and people's livelihood are all options.

The second mortgage must have space first, that is to say, the residual value of the property must be greater than 1 0.5 million, because the general loan amount of the bank is110,000. Therefore, according to the highest percentage of 70%, the actual residual value is greater than 1.5 million.

Secondly, there should not be too many online loans and small loans. If it is too much, you need to settle part of it at the time of processing. Most of them are required to be within five. If you choose a bank with high interest rates, you don't have to think about it.

Finally, in the process of handling, we must pay attention to the choice of time limit and repayment method, because some banks only have equal principal and interest, but some banks can choose equal principal and interest first.