Before ICBC handles the housing mortgage loan, it does not need to settle the original mortgage loan, but it can provide other information and real estate license to go through the formalities, and it can be settled after ICBC approves it.
2. Does ICBC have mortgage loan business?
A house that has not paid off the mortgage can be mortgaged twice, which is not directly related to whether you have a loan before, but mainly related to your personal qualifications, such as your own income, and the property you want to mortgage twice, such as the appraised price and age of the house.
Specific requirements are as follows
1. The property is a residential or commercial house with value-added space.
2. The real estate must be an existing house, that is, the real estate that has obtained the real estate license.
3. Real estate mortgage registration has been completed.
4. The balance of the second mortgage housing loan is lower than 70% of the current house price.
5. The borrower has full capacity for civil conduct, stable income and good credit.
3. Can ICBC's personal housing loan mortgage the house?
Of course.
The house mortgaged by ICBC can be used for loans. Generally, applying for a loan through a mortgaged house requires additional conditions. You can go to ICBC for consultation, or you can call ICBC customer service number 95588 for consultation.
4. Is it necessary for ICBC's personal housing loan to be a loan-free property?
Yes Personal housing mortgage loan is issued by China Industrial and Commercial Bank to customers, with the property under the customer's own name as collateral. Personal housing loans of ICBC must be non-loan. Having a house without a loan means having a house, but without a loan.