Can a general property be remortgaged, and whether the property can be remortgaged

The property can be mortgaged as a second mortgage. Second Mortgage Prerequisites:

1. If the borrower's initial mortgage amount has reached 70%, and only 3% of the amount can be mortgaged, then it is natural that the second mortgage can not be handled; If the borrower only borrows 30% of the initial mortgage amount, and there are 60% or 70% that can be mortgaged, it is usually possible to apply for a second mortgage.

2. If the borrower has all the procedures for the mortgage, then the borrower must have the real estate certificate of the house. It cannot be used as a second mortgage without a title deed.

The house can be remortgaged. But the conditions for a second loan are harsh. The conditions are as follows:

1. The house used for the second mortgage must be an existing house; 2. The mortgage registration of the property has been completed, and the bank is the mortgagee of the house; 3. The house has been insured, and the original insurance policy is managed by the bank; 4. The property has a remortgageable amount; 5. The borrower has full capacity for civil conduct, stable income, and good credit. Article 387 of the Civil Code of the People's Republic of China Where a creditor needs security in order to ensure the realization of its creditor's rights in civil activities such as lending and trading, it may create a security interest in accordance with the provisions of this Law and other laws. Article 395:The following property that the debtor or a third party has the right to dispose of may be mortgaged:

1) Buildings and other land attachments; (B) the right to use construction land; (3) the right to use maritime space; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships, and aircraft under construction; (6) means of transportation; (7) Other property that is not prohibited by laws or administrative regulations from being mortgaged. The mortgagor may mortgage the property listed in the preceding paragraph. Article 397: Where a building is mortgaged, the right to use the land for construction within the scope occupied by the building shall be mortgaged together.

If the right to use the land for construction is mortgaged, the buildings on the land shall be mortgaged together.

Hello, the house has been mortgaged once, and is still being repaid, and doing a mortgage again is called a second mortgage. There are preamble requirements:

1. The real estate certificate has been processed.

2. There is still a residual value of the property minus the previous mortgage amount. If the previous mortgage amount is much smaller than the value of the property, for example, the property value is 1 million, and only the mortgage is 100,000, then there is still more than 900,000 value.

3. The second mortgage can only use the residual value as the collateral value, and the general bank loan will be discounted, such as 6% off. You can only mortgage 90 times 540,000.

4. If you do a second mortgage, it is better to make an additional mortgage with the same bank.

The property cannot be mortgaged twice, after all, it is not allowed to make another mortgage if it has already been mortgaged.

The house can be remortgaged. But the conditions for a second loan are harsh. The conditions are as follows:

1. The house used for the second mortgage must be an existing house; 2. The mortgage registration of the property has been completed, and the bank is the mortgagee of the house; 3. The house has been insured, and the original insurance policy is managed by the bank; 4. The property has a remortgageable amount; 5. The borrower has full capacity for civil conduct, stable income, and good credit. Legal basis According to Article 397 of the Civil Code: if a building is mortgaged, the right to use the construction land within the scope occupied by the building shall be mortgaged together.

Can a title deed be remortgaged? I don't know about this, if you want to understand this problem, you have to go to the local bank to ask, the bank will have this process, tell you, can you mortgage?

Legal analysis: If you have a house, you can still get a loan, because the house can be remortgaged. The second mortgage is more convenient than the first mortgage, and the loan speed is fast, but the interest rate is higher.

The requirements are as follows:1The house used for the second mortgage must be an existing house; 2. The mortgage registration of the property has been completed, and the bank is the mortgagee of the house; 3. The real estate certificate shall be managed by the customer himself; 4. The property has a remortgageable mortgage line, and the balance of the mortgage is less than 70% of the current house price; 5. The borrower has full capacity for civil conduct, stable income, and good credit. 6. The property should be a high-quality housing and commercial building with great market development potential.

Legal basis: Chengliangcha City Real Estate Mortgage Registration Management Measures》 Article 9 If two or more mortgages are created on the same real estate, the mortgagor shall inform the mortgagee of the mortgages that have been created. Ride.

The claim secured by the mortgagor shall not exceed the value of its collateral.

After the real estate is mortgaged, the value of the mortgaged real estate is greater than the balance of the secured claim, and it may be re-mortgaged, but the balance shall not be exceeded.

OK. As long as the existing mortgage of the property is not large, the financial hook can re-mortgage a part of the remaining mortgage amount.

Definitely not, it can only be mortgaged once, and the mortgage is invalid at the same time.

Yes, as long as the house itself is not under a loan.

After the first mortgage of the property, the second mortgage can not be renewed, and each property has its value, which can be offset as much as it is worth.

The property can be mortgaged twice, which is called a double mortgage.