What does it mean to have a house charge on one and two on it

A deposit is a month's rent as a deposit, you can return when you don't rent, one deposit two payments, one deposit three payments that means that two months after the contract is signed, one rent is paid three months.

A second mortgage is a second mortgage, which simply re-mortgages the collateral that has been pledged to obtain a loan from a specific lender. The characteristics of the second mortgage loan are that you do not have to pay off the previous loan, and you can directly re-mortgage the loan again, which saves time and advances many intermediate links.

Further information: A second mortgage is a mortgage in which a mortgage is re-pledged to obtain a loan from a specific lender. The feature of the second mortgage is that you do not have to pay off the previous loan, and you can directly re-mortgage the loan again, saving time and many intermediate links such as capital advance costs.

1. Handling instructions.

1. Documents required for second mortgage loans.

Mainly according to the specific requirements of the regional construction committee, usually only the applicant's real estate certificate is required.

Real Estate Title Certificate or House Ownership Certificate.

Land use right certificate or purchase contract.

and invoices), identification documents (resident ID cards, military ID, etc.). According to the time of use of the money and the time of each district and county to handle the rights of other rights and hail people, under normal circumstances, the loan can be released on the day of receiving the other rights certificates.

2. Requirements for second mortgage real estate.

The regulations of each bank on mortgaged real estate are different, and there will be corresponding requirements for the construction age and area of the real estate, such as the property before 95 years, or the real estate in some remote suburban counties, with more restrictions and less loan-to-value ratio. However, there is no restriction on the age and geography of the property, and almost all the properties that can be registered as mortgages can be evaluated according to the similar **real estate in the market at that time**, so that the lender can obtain a relatively high loan ratio compared to the bank.

2. Quota. The applicant can only register the mortgage once to achieve the maximum mortgage.

Loan. After obtaining the maximum loan amount, you can withdraw the loan in several installments as needed, 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 maximum mortgage is essentially a one-time mortgage. In China, commercial banks generally make the highest amount of collateral.

3. Balance mortgage.

The second mortgage belongs to the balance mortgage, according to the provisions of the property law, as long as there is a balance on the value of the property after a mortgage, you can do a second mortgage, you can also do a third mortgage, the common form of balance mortgage in China, generally is five-color soil.

Mortgage, pawn mortgage or specialized loan company.

mortgages, etc.

Literally, a mortgage is the first mortgage, that is, the house is the first mortgage, and this situation can generally occur in the mortgage of the house, as well as the mortgage of the full house.

Above; The second mortgage, which is what we usually call a second mortgage, generally occurs when a property that has a loan wants to be re-mortgaged;

In terms of application conditions, as long as the property is less than 15 years old and the area is more than 50 square meters, you can apply for a mortgage, which is a general requirement for a mortgage, and there will be stricter requirements for a second mortgage. In terms of the application amount, the first mortgage amount is about 70% of the appraisal price of the collateral, and although the second mortgage will also look at the appraisal price, the previous loan amount should also be considered, and the loan amount of the second mortgage is very small. In terms of ease of handling, the first mortgage is easier to handle, even if you apply directly to the bank, it is okay, and the bank usually does not accept the second mortgage, usually through a local loan company.

to handle it. Extended Resources:

Mortgage loans, also known as "mortgage loans". It refers to a type of lending used by banks in certain countries. The borrower is required to provide a certain amount of collateral as security for the loan to guarantee the repayment of the loan when it is due.

Collateral is generally easy to keep, not easy to wear, easy to sell, such as value, bills, real estate, etc. After the expiration of the loan, if the borrower does not repay the loan according to the grace period, the bank has the right to auction the collateral and repay the loan with the auction proceeds. The balance of the loan is returned to the borrower after the auction proceeds are settled.

If the auction proceeds are insufficient to repay the loan, the borrower will continue to pay off.

A mortgage is a way for a home buyer to borrow money from a bank. That is, the buyer uses the purchased property as collateral and signs a mortgage contract with the bank to guarantee the repayment of the loan to the bank on time in the form of non-transfer of ownership. This loan is subject to interest, and the buyer can recover the collateral after repaying the principal and interest to the bank according to the contract.

with the "Land Use Certificate."

This means that the buyer does not actually have the actual ownership of the home until the loan is paid off. If the loan is not repaid on time, the bank may deal with it in accordance with the law.

A mortgage is the first mortgage, that is, the house is the first mortgage, which can generally happen to the mortgage loan and the full mortgage of the house.

A second mortgage, also known as a second mortgage, generally occurs when a property that has been loaned wants to be re-mortgaged.

For example, when Mr. A purchased a property (property value of 600,000 yuan) in 2010, he applied for a housing loan, and the property was mortgaged to CCB, and he borrowed 300,000 yuan from CCB for a loan term of 20 years, and is still repaying the loan. In March 2017, Mr. A needed to borrow 200,000 yuan again, and the current property appraisal was 800,000 yuan.

Legal Analysis: A second mortgage on a property refers to a mortgage that is re-mortgaged in order to obtain a loan from a specific lender. The feature of the second mortgage of real estate is that you do not have to pay off the previous loan, and you can directly re-mortgage to obtain the loan again, saving time and many intermediate links such as capital advance costs.

The houses with the second mortgage of the real estate should be the lead housing and commercial housing with great market development potential.

Legal basis: Civil Code of the People's Republic of China

Article 209 The creation, alteration, transfer and extinction of real estate rights shall take effect upon being registered in accordance with law; Without registration, it shall not take effect, unless otherwise provided by law.

The ownership of natural resources that belong to the State in accordance with the law may not be registered.

Article 210 The registration of immovable property shall be handled by the registration authority where the immovable property is located.

The State implements a unified registration system for immovable property. The scope of unified registration, registration bodies and registration methods shall be prescribed by laws and administrative regulations.

The difference between a first mortgage and a second mortgage on a property mortgage is as follows:

1. The conditions are different.

1) The conditions required for a bet are as follows:

1) The borrower has full capacity for civil conduct;

2) The borrower has a legal and stable income**, the ability to repay and the willingness to repay;

3) The borrower has good personal credit;

4) the house has mortgage conditions;

5) Meet other conditions stipulated by the lending institution.

2) In addition to satisfying the mortgage clause, the second mortgage also needs to meet:

1) The borrower's real estate certificate of the specific house;

2) The house has a mortgageable amount.

2. The amount of credit is different.

One mortgage: The loan amount is equal to the value of the house multiplied by the loanable ratio;

Second mortgage: The loan amount is equal to the value of the house multiplied by the loanable ratio minus the balance of the original loan principal;

3. Lending institutions are different.

One mortgage: Banks and non-bank lending institutions generally accept mortgage loans, but their requirements are different, and the loan content such as interest amount is also different.

Second mortgage: Banking institutions are private, but most banks do not accept second mortgage loans, because of their high risk and complex procedures and other factors, resulting in a relatively small number of products that can be made in the market.

Legal basisArticle 47 of the Real Estate Management Law.

Real estate mortgage refers to the act of the mortgagor providing the mortgagee with a guarantee for the performance of debts in a way that does not transfer possession of its lawful real estate. When the debtor fails to perform its obligations, the mortgagee has the right to be repaid in priority with the price obtained from the auction of the mortgaged real estate in accordance with the law.

The second mortgage is subject to the consent of the creditor of the first mortgage.

1. If it is necessary to pay off all the first mortgage loan in advance before the second mortgage loan, then the early repayment needs to obtain the consent of the first mortgage bank.

2. When the mortgage is released after the mortgage loan is settled, it is necessary to get back the property right certificate of the mortgage and the loan settlement certificate issued by the mortgage bank from the mortgage bank.

3. The premise of most of the collateral that is still mortgaged for the second mortgage is that the first mortgage is also applied for in the bank, which is the relationship between the second mortgage loan and the first mortgage loan.

You should also pay attention to your personal credit and don't blindly apply for a loan, otherwise once the big data is spent, you will be rejected due to insufficient comprehensive score if you want to apply for a loan again. You can get a big data report in "Xiaoqi Xincha" to clearly know your status in online loan big data. The database cooperates with more than 2,000 online lending platforms, and the query data is relatively accurate and complete.

Extended Information: Does the Second Mortgage Require the Consent of the First Mortgage?

Generally speaking, a second mortgage loan does not require the consent of the first mortgage bank.

The details are as follows.

1. If the mortgage loan has been settled, then the collateral can be released and returned to freedom, and when applying for the second mortgage loan, it has nothing to do with the first mortgage loan, as long as the collateral still has a certain value, it can be recognized and accepted by the bank of the second mortgage loan.

2. If the first mortgage loan is not settled and you need to apply for a second mortgage loan again, then as long as the value of the collateral is higher than the remaining outstanding balance of the first mortgage loan, and the second mortgage bank agrees to the second mortgage, you can use the residual value of the collateral to apply, and the consent of the first mortgage bank is not required in this process.

3. If the bank of the second mortgage loan and the bank of the first mortgage loan are the same, then regardless of whether the first mortgage loan has been settled, it is necessary to obtain the early consent of the loan banker, and the collateral is registered in the name of the same loan bank anyway, so only the extra mortgage value in this draft should be there.

Therefore, the focus of the second mortgage loan is to obtain the consent of the second mortgage lending bank, and it has little to do with the bank of the first mortgage loan.

Summary. Hello, it is a pleasure to serve you What does it mean to have a mortgage on a property: A mortgage on a mortgage means that the property is registered for the first time, and the loan applicant has no arrears on the property, has full property rights, and mortgages the property to obtain a loan.

The second mortgage is the second mortgage registration of the property, and the loan applicant will re-mortgage the property that has been mortgaged for the first time and obtain a loan. Different from the first mortgage, the second mortgage has already mortgaged the property once, and can only mortgage the residual value of the property, the amount of the mortgage loan must be greatly reduced, and the loan term is much shorter than the first mortgage.

Hello, it is a pleasure to serve you What does it mean to have a mortgage on a property: A mortgage on a mortgage is registered for the first time in Chunchong, and the loan applicant's property has no arrears, has full property rights, and mortgages the property to obtain a loan. The second mortgage is the second mortgage registration of the property, and the loan applicant will mortgage the property that has been mortgaged for the first time again and obtain a loan.

Different from the first mortgage, the second mortgage has already mortgaged the property once, and only the residual value of the property can be mortgaged, and the amount of the mortgage loan will definitely be greatly reduced, and the loan term is much shorter than the first mortgage.

However, the feature of the second mortgage is that the lender does not need to pay off the arrears of the first mortgage, and if your property has residual value, you can directly re-mortgage to obtain the loan, thus saving the lender's time cost and advance capital cost, and also saving a lot of intermediate links. Real estate mortgage mortgage mortgage and second mortgage have their own advantages and disadvantages, more funds can choose to pay off the arrears and then apply for a mortgage, you can get more loan amount, longer loan term and more flexible repayment methods, if the funds themselves are insufficient, trillion imitation two mortgages are also a good choice.

I don't have good credit, so I can only do private mortgage, 50,000 a year, and the interest is 1 point and 5, is it appropriate?

Ask me if I have a two-bet on what it means.

One point and five points are within a reasonable range, and it is okay.

The second mortgage is that the mortgage has been passed once.

For future bank loans, there is no impact.

He said he could release me after he was done.

There is no impact. First mortgage.

As long as it is paid off later.

The title deed is temporarily mortgaged on them, there is no danger no.

The risks of housing mortgage loans include: 1. Default risk. In the event of a loan default, the mortgaged home is at risk of auction.

2. Liquidity calls risk. Liquidity risk refers to the risk that it is difficult to realize funds in short-term deposits and long-term loans. 3. Economic cycle risk.

The risk of the economic cycle refers to the risk that arises in the process of fluctuating the overall level of the national economy. 4. Interest rate risk. Interest rate risk refers to the risk that changes in the level of interest and caution level will bring to the value of a bank's assets.

According to the relevant laws and regulations of China, if the debtor or a third party does not transfer the possession of the property in order to guarantee the performance of the debt, but mortgages the property to the creditor, the debtor fails to perform the due debt or the mortgage rights are realized as agreed by the parties, and the creditor has the right to be repaid in priority for the property.

As long as it is paid off, there is no danger.