Basically, they are formal commercial bank loans.
First of all, what
The second mortgage of a house, as its name implies, is a mortgage, and the mortgage of this house has not been settled yet. For example, your house was bought with a loan, and the mortgage has only been paid for three years. At this time, applying for a real estate mortgage is a second mortgage.
Second, the house can be mortgaged twice. According to the current bank's credit policy, the house can be mortgaged twice, but the second mortgage bank has higher requirements for the borrower and the house.
3. What are the ways to deal with the second mortgage of a house?
(1) Bank Handling If you go directly to the bank, other banks cannot handle the second mortgage of the house. It should be noted that some banks stipulate that only houses that repay the loan principal and interest in full and on time within a certain period of time can apply for a second mortgage.
The principle of finding a guarantee company to apply for a mortgage loan is that the guarantee company will clear the mortgage, then cancel the mortgage registration, get back the real estate license from the bank, and finally mortgage the house.
Strictly speaking, this method is not a secondary mortgage, but more like prepayment before applying for a mortgage loan. In addition, when looking for a guarantee company, you must look for it, otherwise it will easily lead to both houses and property.
Fourth, the house
(1) The second mortgaged house must be an existing house, which has poor liquidity, and the auction is prone to problems such as unfinished tail and poor quality. Therefore, it is impossible to handle the auction, and only the existing house can handle the secondary mortgage.
The borrower must have good credit. Any loan requires the borrower to have good credit. A person with bad credit can't borrow money, so he wants to repay the loan and maintain good personal credit.
(3) The house has been insured, and the original policy is managed by China Bank, because when handling the mortgage, Jiabao must manage the purchase contract and some receipts when handling the mortgage, and never lose them.
(4) Clear property rights If you want to apply for two mortgage, the borrower must have the ownership of the house, and a house with property rights cannot apply for a second mortgage. To sum up, if the conditions and qualifications, amount and interest requirements are not high, you can go to the bank. If the conditions and qualifications require, it is recommended to go to a guarantee company.
2. Is there a Ping An loan company with real estate mortgage in Yuzhou?
Hello, friend:
In fact, that one is similar, but it is possible that the amount of the next payment of each guarantee company in the bank is different. Then there is the service charge, which may be worse than others. Formal guarantee companies charge a one-time fee for bank loans.
Third, bank mortgage loan in Yuzhou City, Henan Province ~!
Bank real estate mortgage loan needs real estate license, land certificate, house owner's ID card, household registration book, marital status certificate, income certificate, loan purpose and other supporting materials. Of course, there is no land certificate. Besides, housing and land are inseparable, or the land to which your property belongs is not for sale. The annual interest rate is the benchmark interest rate of the bank.