Hehe, this is generally impossible. Because you haven't paid off a loan, now all kinds of banks are connected to the internet. The bank won't give you any more loans. I'm Teacher Dong, and I hope I can help you.
2. Can I get a second mortgage if the mortgage is not paid?
Of course.
A house with a mortgage is one solution:
1, through bank loans. After the remaining loan of real estate is passed, it will be mortgaged again in other banks. However, in some banks, mortgage houses can be directly mortgaged. Banks have different requirements for the second loan of mortgage houses. I suggest you consult in detail.
2. Loans through guarantee companies. There is no need to mortgage the surplus value of the property.
Difference between housing mortgage loan and housing mortgage loan
1. The cost is different: the main interest rate is personal housing loan. Mortgage loan means that the borrower takes a certain amount of collateral as an item, and the guaranteed interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount on the mortgage interest rate to buy a house, but today the interest rate has gone up. But the floating property of mortgage loan is lower than that of mortgage loan.
2. Different subjects of legal relationship: in the mortgage relationship, if the debtor is the mortgagor, it is only the mortgagee and the mortgagor. The subject of mortgage, namely the mortgagor (bank) and the original owner of the mortgagor).
3. Different preconditions: the borrower wants to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy a house or for other purposes. Mortgage loan is the mortgage of the house purchased by property buyers, which is provided by the real estate enterprises that purchase houses, but it can only be used for buying houses.
3. If I have a mortgage, can I refinance it?
You can still buy a house with a mortgage, because as long as you meet the requirements of lending, banks and lending institutions will give you loans.
Banks and lending institutions give you loans mainly to check your credit status and whether you have the ability to repay the loan principal and interest on time, so as long as your personal credit is good, there is no overdue repayment, and the residual income after paying off the mortgage is still sufficient, then banks and lending institutions will also agree to your loan application.
Of course, if you have an outstanding mortgage and apply for a loan to buy a house again, banks and lending institutions may increase your down payment ratio or raise your loan interest rate, and you may not enjoy the preferential loan interest rate.
Therefore, if you have a mortgage that has not been settled, it is recommended not to borrow money to buy a house immediately. After all, this will lead to a lot of pressure on your loan.
If you are not clear about your debt and online loan data, you can get an online loan big data report from Beijian Express, which contains detailed online loan application records, overdue details, blacklists and other data.
Extended data:
Can I borrow money to buy a house without paying off the loan?
You can apply for a loan to buy a house before you pay off the loan.
As long as the loan amount owed is not particularly large, the borrower's debt ratio will not be very high, which will not have any impact on the borrower's application for mortgage.
Even if the amount owed by the loan is large, which makes the borrower's debt ratio relatively high, it does not mean that the borrower cannot make a mortgage. As long as the borrower's personal credit is good, he can provide enough information to prove that he has the ability to repay the loan on time and meet other requirements put forward by banks or lending institutions, it is also possible to obtain a mortgage loan. And the debt ratio is too high, you can also choose to pay off part of the debt first, and then apply for a mortgage.
However, it should be noted that if the loan repayment is overdue and reported to the central bank's credit information system, leaving a bad credit record in the personal credit information report will have a serious impact on the mortgage approval, and it will be very difficult for the borrower to apply for a mortgage later. Therefore, everyone must remember to repay on time to avoid overdue.