How much can I borrow for the second mortgage of my house?

Banks that can handle real estate licenses as mortgage loans: China Yinpina Bank, China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and private loan companies. All major banks can apply for mortgage loans, but the policy conditions are different, but most banks need a name to make loans, such as consumer loans, such as commercial loans, such as buying new ones and so on. The interest of such loans is higher than that of ordinary commercial loans, but the longest loan period is mostly around 10; However, the interest rate of mortgage loans is lower than that of local commercial banks or credit cooperatives, and the annual loan coverage is longer. Most credit cooperatives allow loans for 1~3 years, but the longest is 5 years. I suggest you take the real estate license to consult the mortgage department of the relevant bank, and prepare some credit certificates of your own, such as your income certificate, your business or company certificate or contract, etc. , can reduce the difficulty of your loan approval.

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Characteristics of mortgage loans of banks:

1, China Bank's personal property mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling, and return with the loan. It is especially suitable for business owners who pursue "short, frequent and fast" and have regular loan needs.

2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.

3. ICBC's personal business loans are the most time-saving: because of its high efficiency, ICBC is slightly better in this respect, and loans can be granted within five working days at the earliest, and ICBC's real estate mortgage loans are also widely used.

4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.

5. As a supplement to the bank's real estate mortgage loan business, private loan companies can meet the needs of friends who are in urgent need of money without the bank's handling threshold. In terms of loan threshold and processing speed, private loan companies are far superior to banks.

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Which company is better for real estate mortgage loan?

Beijing real estate mortgage loan platform, fast loan network, loan service platform, Huahan Finance and Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. have better real estate mortgage loans.

1, Beijing real estate mortgage loan platform

Beijing Loan Guarantee Platform was established in accordance with the law on 20 10, located in Chaoyang District, Beijing. The platform adheres to the business philosophy of "legality, safety, professionalism and efficiency", fully draws on professional financial service concepts and technologies, and combines the domestic market demand for multi-channel financing and loan guarantee, specializing in loan guarantee services.

2. Fast Loan Network

Fast loan network was founded by well-known domestic entrepreneurs and financial industry veterans. Adhering to the tenet of "what customers think, what we think", relying on the advanced financial system platform, perfect service network and professional management team, the company adopts the concept of efficient and high-speed service, which has been highly recognized by customers from all walks of life.

3. Loan service platform

The loan service platform belongs to Guangzhou Lending Information Technology Co., Ltd., which was established in June 2065438+2007. It is a loan service organization specializing in the field of asset mortgage. The loan has reached a long-term strategic cooperative relationship with a number of financial institutions and funders; It mainly provides loan financing services of more than 6,543,800 yuan for loan customers, including personal mortgage loans, large-scale enterprise mortgage loans, and advance loans.

4. Huahan Finance

Huahanfang, a subsidiary of Guangzhou Huahan Investment Consulting Co., Ltd., is a real estate loan information consulting service platform. The business areas mainly involve real estate mortgage loan, real estate secondary mortgage, mortgage re-mortgage loan, mortgage-to-mortgage loan, real estate transaction loan, sealed house loan, etc.

Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd.

Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. has a registered capital of 50 million yuan. With rich background resources and strength, and the service concept of "customer-centered, honesty-oriented", it has established a brand recognized, satisfied and loyal by consumers and developed into a unique professional financial service institution.

What kind of company does the mortgage belong to?

Belongs to the mortgage company. Housing mortgage loan is a mortgage company, which specializes in providing and managing all kinds of real estate mortgage loans. ? This kind of lending institution will generally help customers evaluate various mortgage options when buying a new house, or refinance existing mortgages. Some of these companies also help customers compare various types of home equity loans and determine the credit line according to the current net worth of a specific property. Mortgage companies can specifically choose housing or commercial mortgage loans and provide mortgage loans to these two types of customers.

What about Xi 'an mortgage guarantee company?

Xi 'an mortgage guarantee company is very good. Xi 'an Housing Mortgage Company is a leading housing loan service in Xi 'an. Xi 'an Housing Mortgage Loan Company has low loan interest rate, long loan term and high loan amount.

Does the mortgage need a company?

1. Do you need a guarantee company for real estate mortgage loan?

No, as long as the property ownership certificate 3 is complete, there is no need for a guarantee company.

Personal mortgage loan, referred to as mortgage loan for short, the mortgage buyer fills in the mortgage loan application form to the loan bank and provides the proof documents that must be submitted according to the legal documents such as ID card, income certificate, house sales contract and guarantee. After passing the examination, the loan bank promises loans to the buyers, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

Second, the conditions of real estate mortgage loans

1, housing requirements

(1) The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

2. Lender's requirements

China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.

(1) Having a proper occupation and a stable source of income, and having the ability to repay the loan principal and interest on schedule;

(2) No illegal acts and bad credit records;

(3) Being able to provide effective pledge guarantee of rights recognized by the bank, or being able to use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory capacity;

(4) Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

(5) Other conditions stipulated by the bank.

Third, the real estate mortgage loan process

1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;

2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;

3. The bank examines and approves the loan application;

4. The buyer signs a loan and guarantee contract with the bank;

5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;

6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);

7. The bank issues loans to the seller's account;

8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;

9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).