First, we can handle the second situation as follows:
1. For the property with low mortgage rate, if the real estate assessment value is100000, the residential mortgage rate is 70% under normal circumstances, that is to say, if the property is mortgaged, a loan of up to 7 million yuan can be obtained, and Bank A has operated a total mortgage loan of 5 million yuan on this collateral. At this time, the mortgage rate of the property is 50%, which is lower than 70%. At this time, in the case of meeting other conditions, in Bank B, you can apply for a second mortgage and loan the remaining 2 million yuan. However, although the mortgage interest rate is not risky, once it is overdue, the rights and interests of Bank B may be blocked because it is a second mortgage. Therefore, although this situation can be handled, it is still necessary to clear the relationship.
2. Additional collateral: Although a property has been mortgaged to Bank A according to the highest mortgage rate or even over the mortgage rate, it is normal for some large enterprises with good credit to mortgage over the mortgage rate. Don't make a fuss. At this time, the loan collateral provided by Bank B to this borrower is also insufficient, or there is no collateral, so if the enterprise wants to apply for a second mortgage from Bank B as additional collateral at this time, Bank B will be happy to apply for a second mortgage.
3. Secondary mortgage of initial loans for high-quality enterprises: For some large enterprises with good credit standing, banks will take the initiative to attract them without even going to the bank to apply for loans. Then, if all the properties of this enterprise have been mortgaged to other banks, and this newly entered bank wants to make the risk control measures look better when increasing credit loans, it will generally negotiate with the enterprise to mortgage some properties for the second time. In this case, it doesn't really matter whether the enterprise has collateral, and the second mortgage is just icing on the cake.
4. Additional mortgage for overdue loans: If an individual or enterprise is in loans overdue of Bank A and is overdue for a period of time, the bank will gladly accept it if it can apply for a second mortgage for bank real estate. Even in some cases, in order to show its superior collection ability, banks will require enterprises to provide a second mortgage for performance repayment.
Two, can not handle the second mortgage situation is as follows:
When individuals and small and medium-sized enterprises apply for new loans, even if the mortgage rate of real estate is not up to standard, that is to say, even if the house with a value of 654.38+million is only borrowed from Bank A, it is difficult to get a second mortgage for this house through Bank B unless there is a deep relationship background, because even if the mortgage rate is insufficient, the mortgagee of the second mortgage still has legal risks and loss risks.
Personal mortgage houses and mortgage houses are mortgaged properties. Because most homebuyers have a short repayment period and high interest rate on their own mortgages, it is even more difficult to get a second mortgage in other banks.
At one time, the mortgagee was non-bank property, and most of these properties were mortgaged to lending institutions such as small loans and trust companies. Everything else is easy to say. To tell the truth, no one wants to touch a house mortgaged to a small loan, and no matter how low the mortgage rate is, they will not touch it. Most banks don't even do business with people who borrow private money. If they can borrow from formal channels, they should borrow from formal channels. Don't touch small loans unless you have to!