1. The property mortgaged in the bank belongs to me or the company;
2. It can be confirmed in the bank that it can be recovered, and the loan with the same amount can be lent again;
3. In the past year, the amount of repayment to the bank should be normal, not overdue, and the credit status should remain good.
Extended data:
Documents required for two mortgages:
Mainly according to the specific requirements of regional construction committees, usually only the applicant's real estate license (real estate license or house ownership certificate, land use certificate or purchase contract and invoice) and identity documents (resident ID card, military officer's card, etc.). ) are needed. According to the time of spending money in each district and county and the time of handling other rights certificates, in general, the loan can be released on the day of receiving other rights certificates.
Requirements for secondary mortgage of real estate:
Banks have different regulations on mortgaged properties, and have corresponding requirements on the completion date and the area where the property is located. For example, before 1995, there were more restrictions on real estate, or in some remote suburban counties, the loan ratio was less. However, there is no restriction on the age and region of the property, and the property that can almost be registered as mortgage can be reasonably evaluated according to the price of similar property sold in the market at that time, so that the lender can obtain a higher loan ratio than the bank.
References:
Secondary mortgage _ Baidu Encyclopedia