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Mortgage housing can be refinanced, mortgage housing how to sell

Mortgage housing is also a house with mortgage. Many people will think of mortgage housing loan when they are in urgent need of loan. Can mortgage housing loan again? At the same time, there are also some people who want to ship mortgage houses for various reasons, so there are still loans that are not clear. Can they be sold? How should mortgage houses be sold? Here, I'd like to answer these two questions for you, hoping to help people who are worrying about it:

Mortgage housing can be refinanced

In principle, the problem of secondary mortgage is OK. Some commercial banks provide this service mainly depends on the intention of your lending bank. The following is a brief introduction about the second mortgage. I hope it can help you.

1. A second mortgage loan is defined as a loan that has been mortgaged by a specific lender. For example, suppose that a set of real estate has been mortgaged in the bank and is still repaying normally. In this case, if the homeowner applies for the mortgage again, he does not have to pay off the bank loan in advance. As long as he can pass the professional evaluation, he can mortgage again according to the evaluation value.

The characteristics of the second mortgage loan is that the second mortgage loan does not need to pay off the previous loan, but directly re mortgage and get the loan again, saving time and advance cost and many other intermediate links. In the second mortgage of real estate, the requirements for real estate vary from bank to bank, and there are corresponding requirements for the completion time and area of the real estate. The amount of secondary mortgage loan applicants can only do one mortgage registration procedures to achieve the maximum amount of mortgage loan.

After obtaining the maximum loan amount, the loan can be withdrawn in several times according to the needs, and the interest calculation time is subject to the actual payment time of each payment. This can save a lot of unnecessary interest costs. The documents and time required for handling the second mortgage loan are mainly based on the specific requirements of the Regional Construction Committee. Usually, only the applicant's real estate certificate and identity document are required. According to the time of using the money and the time of handling the other right certificate in each district and county, generally, the loan can be made on the day of receiving the other right certificate.

How to sell mortgage housing

First of all, the second-hand house transaction is subject to the house property certificate, and only with the house property certificate can it be listed. At present, the property has not got the title certificate, so the transfer procedures can not be handled temporarily. If you want to change the name of the contract with the seller, you can let the homeowner negotiate with the developer to cancel the original contract and put it on record, and then the developer will sign a new contract with you and put it on record.

If there are conditions for the sale, you can go through the procedures of re mortgage. First of all, you need to obtain the consent of the bank, and you can apply to the lending bank first. Generally, the homeowner pays off the loan with self raised funds and gets the certificate of production; some customers pay part of the cash to the seller in the form of deposit to help the seller get back the house property certificate, which depends on the trust degree of the customer to the seller and the entrusted intermediary company, and this way is risky for the buyer and generally will not be accepted;

Although the management of second-hand housing transactions can be transferred to mortgage procedures. But in practice, different banks have different regulations, and you need to consult the relevant banks. As far as we know, only China Construction Bank can handle mortgage transfer. At the same time, you need to entrust an intermediary agency company to apply to the bank for second-hand housing to mortgage business. The bank does not accept individual applications, so you need to entrust an intermediary agency company to implement them.

The above is today's mortgage housing can be refinanced and mortgage housing how to sell small series for you to answer. Mortgage housing is the original mortgage, whether you want to re loan or sell, the procedure will be more cumbersome. At the same time, because of different policies in different places, the requirements of banks will be different. Before you are ready to handle it, you'd better go to the relevant local departments for a specific understanding, prepare the relevant information, and handle it at one time, so as not to waste your time due to improper preparation!