Many banks can get a second mortgage, such as Industrial and Commercial Bank of China and Bank of Communications. Of course, some banks do not support secondary mortgage, such as China Merchants Bank, and do not accept secondary collateral.
If you want to apply for a second mortgage loan, you can call the staff of the local bank and choose a bank that can handle this business. Or go directly to the loan company, and most loan companies can apply for a second mortgage.
The reason why some banks can't handle the second mortgage is actually because the risk of the second mortgage will be greater. After all, the property used for the second mortgage itself needs to be repaid. If a second loan is made, the repayment pressure of the borrower will be considerable, and correspondingly, the risk of overdue will be great.
Therefore, it is normal for banks not to handle it in order to reduce risks. Those banks that can conduct two mortgage will also have stricter requirements than ordinary lenders.
If customers want to apply for a second mortgage, it is best to consult the loan bank first. If the loan bank accepts the second mortgage, it will be better to handle the second mortgage at the loan bank, and the success rate will be higher than going to other banks.
How to get a loan on two mortgages?
Required procedures:
1. Evaluate about 70% of the general loan evaluation price first, and then provide ID card, household registration book, household registration book, income certificate and marriage certificate.
2. Go to the bank for an interview, get the loan approval letter, pay off the last bank loan in advance, and cancel the mortgage registration.
3. Go to the Construction Committee to register the second mortgage, and you can lend money within 3 days.
Extended information:
Two mortgage is different from the requirements of the first mortgage loan. Specific requirements include the following aspects:
1. Banks have higher requirements for the potential of secondary mortgage housing, generally targeting those high-quality housing or commercial housing with great market development potential. Such houses generally have a large room for appreciation, and the success rate of banks in reviewing secondary mortgages will be higher.
Second, the bank requires that the real estate in the secondary mortgage must be an existing house, and the auction house cannot be used as collateral for the secondary mortgage.
Three, apply for a second loan, the applicant bank and the original housing loan bank should be interlinked, there can be no separate loans between the two banks.
Housing secondary mortgage in addition to the above requirements, the secondary mortgage process generally includes five aspects:
First, after the owner applies for a 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;
Second, when the owner handles the second mortgage of the house, he needs to issue personal identity certificate, property certificate, income certificate and other supporting materials required by the bank;
Third, the lender himself needs to bring all the information to the bank for face-to-face, and sign the application form for the second mortgage of the house;
Fourth, the bank will review the personal data of the property and the lender and calculate the loan amount at the same time;
Finally, after the approval, the lender needs to register the mortgage in the bank and wait for the loan.
Housing two mortgage is a kind of mortgage loan that has attracted much attention in recent two years. Many of them are in urgent need of funds, and their property is being mortgaged. You can choose to use two mortgages to obtain funds. The second mortgage of houses is still relatively unfamiliar to some people, especially the mortgage process.
First of all, the so-called second mortgage of housing refers to the act of applying for a loan again in the process of mortgage loan, which is also a brand-new mortgage loan service for banks. When the house is located in two mortgage, the bank will re-evaluate the value of the house according to the principal and interest repaid by the owner. On the basis of evaluating the price, apply for a loan from the bank again with the value after deducting the loan balance as collateral.
Which banks can make a second mortgage?
Suppose a house has been mortgaged in the bank and it is still being repaid normally. In this case, the owner needs to apply for a mortgage again without paying off the bank loan in advance, which is the second mortgage. ICBC and China Merchants Bank can apply for a "second mortgage" loan, but the other party must be the bank's mortgage customer. If the first mortgage of real estate belongs to other banks, you cannot apply for a "second mortgage". Jiangsu Bank, Industrial Bank, Ping An Bank and Minsheng Bank can accept non-bank customers to handle the second mortgage business.
There are two preconditions for handling the second mortgage of real estate: one is that the real estate license has been handled, and the other is that the real estate has a residual value after deducting the amount of the previous mortgage loan (real estate value 1 10,000, the previous mortgage loan is 300,000, and the residual value is 700,000).
Secondary loan process of mortgaged house:
1. The customer provides information, fills in the loan application form and submits the application to the lending institution;
2. The appraisal agency evaluates the real estate and gives the appraisal value;
3. The bank reviews the data to judge the lender's repayment ability/credit/current market value of the house and decide whether the lender can operate the loan;
4. After the lender passes the loan review, it will contact the fund-raising institution or individual to redeem the building and cancel the mortgage;
5. After dissolution, re-apply for mortgage registration;
6. The lender transfers money and the lender resumes repayment.
How to borrow the second loan of CCB?
The second loan of CCB can be handled through a guarantee company. It is recommended to choose Moore Dragon. The platform does not mortgage the housing loan, and the loan can be released as soon as 1 day. Apartment shops can also apply. Convenient and quick, win unanimous praise!
The second loan of CCB generally means that the house purchased by the user is a loan handled by CCB. At this time, a second mortgage can be made, but only the repaid part can be mortgaged when handling the second mortgage. Loan amount = mortgage rate of house value-balance of original loan principal. Since a property cannot be mortgaged at different bank outlets, CCB can only apply for the second mortgage at CCB outlets for the first time. At the time of application, the borrower is required to have no overdue repayment during the first repayment, otherwise the bank will not approve the second loan. The second loan handled by the user can be repaid in advance, which can save interest expenses. Users should consult the bank when returning goods in advance to confirm whether the bank collects liquidated damages, and then decide whether to return goods in advance according to the actual situation. After you come back, you should go through the corresponding release procedures.
For more information about the second loan, please consult Mo Long. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.
Which banks can handle housing in two mortgage?
There are very strict requirements for handling two mortgage. Many banks don't accept the second mortgage, so before you apply for the second mortgage, you need to know which banks can handle it. So which banks can handle it?
1. Industrial and Commercial Bank of China and China Merchants Bank: Both banks can accept the application for second mortgage, but the premise must be that the first mortgage loan is also handled in our bank.
2. Industrial Bank: At present, the term of the second mortgage loan of Industrial Bank is the longest among all banks, which can reach 30 years. Other banks can only do secondary mortgage business for 5-20 years. If you want to make a second bet for a long time, it is recommended to choose Industrial Bank.
3. Ping An Bank: Ping An Bank is a good choice if the loan value is more important. Its loan amount can reach 75% of the loanable space of real estate.
4. Jiangsu Bank: In the second mortgage loan business, Jiangsu Bank has no restrictions on the bank where the borrower applies for the first mortgage, and can recover the funds within five years after the second mortgage loan, which is relatively flexible and convenient.
Can I do real estate and secondary mortgage in different banks?
You can't make a second mortgage in another bank, only in the same one. A house under mortgage repayment can apply to the bank for a second mortgage. When doing two mortgage, you need to pay attention to the following points:
1. In order to apply for the second mortgage, the borrower has obtained the house property certificate;
2. Usually, two mortgage loans can only be handled as mortgage loans in the same bank;
3. The year and area of building construction are within the regional service life meeting the requirements of the second mortgage of the bank;
Usually, the loan interest rate of two mortgages is the same as that of the first mortgage.
The conditions for secondary mortgage of real estate are:
1. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;
2. The house used for personal housing in the second mortgage must be an existing house;
3. The house is a first-hand house purchased by a bank mortgage loan;
4. The mortgage registration of the house has been completed, and our bank is the mortgagee of the house;
5. The house has been insured, and the original policy is managed by China Bank;
6. The house has excellent location, convenient transportation, complete facilities and great appreciation potential.