How to deal with the second mortgage of the house?

Some houses are being mortgaged, but due to lack of funds, they want to mortgage the mortgaged property again. This is called a second mortgage. So how should I borrow a house with two mortgages? What are the conditions for the second mortgage? 1. After the owner applies for the second mortgage, the bank will assign a special person to evaluate the value of the property, mainly to evaluate its appreciation potential, and then give reference value according to the evaluation results. 2. Owners need to issue personal identification certificate, property certificate, income certificate and other certification materials required by banks when handling the secondary mortgage of houses. 3. The lender needs to bring all the information to the bank for face-to-face signing and sign the mortgage application for the second house. 4. The bank will review the personal data of the property and the lender and calculate the loan amount at the same time. 5. After the approval, the lender needs to go to the bank to register the mortgage in person and wait for the loan. u=4 138492308，424 12097 13 & amp； Fm = 26 & ampGp=0.jpg What are the requirements for a second mortgage of a house? 1. Generally speaking, houses should have better room for maintaining and increasing value. 2. The house that can be mortgaged twice must be an existing house, not an auction house. 3. The borrower of the second loan should have good credit, and the existing mortgage loan has no serious overdue record. The borrower of the second loan must have a stable income. 5. Other conditions stipulated by the bank. Matters needing attention in secondary mortgage of house 1, loan amount. The loan amount of real estate in two mortgages is as follows: (1) loan amount = house value * mortgage rate-original loan principal balance; (2) Compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, the value of the house shall be the lower. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%. 2. The procedures and documents required for secondary mortgage and primary mortgage are basically the same. The legal effect after registration is different in the order of realizing mortgage. 3. Although the Measures for the Administration of Urban Real Estate Low Pressure stipulates that the second mortgage does not require the consent of the first mortgagee, it shall inform the second mortgagee. However, in the actual mortgage process, if the first mortgage contract requires the consent of the first mortgagee, it must be observed in accordance with the contract. At the same time, the second mortgagee must be informed of the mortgage loan, otherwise, the mortgagee has the right to request the mortgagor to stop its loan behavior according to the relevant regulations. 4. The right value of two mortgages shall not exceed the balance of the house value after the first mortgage guarantee. If the mortgagor can't pay off the debt, he will file an administrative lawsuit with the registration department.