Banks that can handle the second mortgage are: China Merchants Bank, Industrial and Commercial Bank of China, Jiangsu Bank, Minsheng Bank, Ping An Bank, etc. These banks can handle it. Among them, ICBC and China Merchants Bank need the borrower's pledge in their own banks, and the rest banks can accept non-bank secondary mortgage.
Generally, the specific operation process of two mortgages is as follows:
1. Apply for a bank account with two mortgage banks.
2. Fill in the application materials and personal identification information.
3. Waiting for review
4. Sign the contract after approval.
5. Go through the relevant formalities.
6. Waiting for funding
Which banks can make a second mortgage?
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.
Which bank can handle the second mortgage loan?
There are many banks that can handle the second mortgage loan, such as Bank of China, Industrial and Commercial Bank of China and China Construction Bank. There are many ways to lend money, and there are many credible loan platforms, so lending is faster. For example, Moerlong, the platform does not mortgage housing loans, and it can lend money as soon as 1 day, and apartment stores can also apply. Unsecured loan, 2 hours at the earliest. Recommended choice!
The second mortgage of the mortgaged house shall meet the following requirements:
1, the house must be an existing house, and it is a house or commercial house with great market development potential;
2. Real estate has surplus value and clear property rights;
3. The borrower has a stable source of economic income and sufficient repayment ability;
4. Personal credit is good and there is no interest default.
It should be noted that the amount that can be realized by the second mortgage of the mortgaged house is generally: house value × mortgage rate-original loan principal balance. Among them, the mortgage rate of housing mortgage secondary loans is usually not more than 70%, while the mortgage rate of commercial housing secondary loans is generally not more than 50%.
Which banks can be two mortgage?
1. Industrial and Commercial Bank of China and China Merchants Bank can handle the "second mortgage" loan, but the borrower's first mortgage must be handled at the bank;
2. Jiangsu Bank, Industrial Bank, Ping An Bank and Minsheng Bank can accept non-bank customers to handle the second mortgage business.
A, handling requirements:
1. Whether the property ownership certificate has been obtained;
2. Whether there is room for loan in the mortgaged property.
Second, choose a bank suggestion:
1. Industrial Bank: At present, the term of the second mortgage loan of Industrial Bank is the longest among all banks, reaching 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.
2. Ping An Bank: Ping An Bank has always been "atmospheric". The same is true of the second mortgage business. Ping An Bank is a good choice if the loan is more focused on the loan amount. Its loan amount can reach 75% of the loanable space of real estate.
3. 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.
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.