Your car has just been mortgaged, so you can't get a second mortgage. Pay off your mortgage loan first, and then go through the cancellation procedures before you can apply for a mortgage loan again.

About mortgage loan.

Mortgage loan is a popular loan method at present, which is suitable for users with general qualifications and credit and qualified collateral under their names. They can apply for a high loan by providing vouchers. So how do you apply for a mortgage? Just complete these application processes.

1. Choosing a lending institution: The first and most crucial step in handling a real estate mortgage loan is to choose a formal lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements are relatively slow and high. Although private lending has many interest rates, it has low audit requirements and fast processing speed. Therefore, choosing the right lending institution is a crucial step in the whole loan process.

2. Submit the application and application materials: After selecting a suitable institution, you can submit the application with the materials required by the applying institution.

3. Preliminary review: The lending institution will conduct a preliminary review of the basic materials we submitted before, and the review needs to meet the relevant requirements.

4. Appraisal: Generally, lending institutions, especially banks, are required to go to designated or recognized appraisal institutions for appraisal, and appraisal fees will be charged during appraisal. The fees charged by different institutions may be different, and the charging standards in different regions are also different.

5. Loan approval and signing: The lending institution re-examines the loan according to the materials and evaluation reports submitted before. After approval, it will communicate with you about the loan amount, interest rate, term and repayment method. After communication, you can sign the contract.

6. Apply for mortgage registration and loan.

To sum up, the amount of mortgage loan can be analyzed on a case-by-case basis, because there are many factors to consider, so everyone still needs to know the evaluation factors and processes of the house before handling the mortgage loan to avoid unnecessary troubles.

Excuse me, can the mortgaged car be mortgaged again?

The vehicle has been mortgaged. If you want to make a second mortgage, the general bank will not accept it. You can find a financial institution to handle it, but there are also requirements.

1. The mortgage amount of this car is relatively high. For example, the car is valued at 500,000 yuan, and the mortgage amount is only about 30%. In this case, there is still 70% of the mortgage amount, and the mortgage amount is high, so you can apply for a car remortgage loan.

2. The borrower should not go directly to the bank to handle the auto-to-mortgage loan business. Whether it is car mortgage or car re-mortgage, going directly to the bank will not be accepted. You can use a local loan company or an auto financing company! Borrowers applying for loans through these institutions can not only get funds, but also get funds in a shorter time than going directly to the bank.

3. The borrower needs to have the basic conditions for loan. If personal credit is good, there is a certain income and repayment ability, and current liabilities are good. One of the conditions does not meet, and it is difficult to borrow money with the existing car.

4. The appraisal value of a car as a secondary mortgage should not be too low. If it is too low, the borrower will not get a high amount of secondary mortgage, and the lending institution may not be willing to accept it, and the borrower will have to pay the corresponding fees.

For more information about the mortgage car, can I mortgage it again? Go to: See more.

Can a car bought with a loan be mortgaged again?

No, the car has been mortgaged. Some companies will deduct invoices and vehicle registration certificates when mortgage. Without a vehicle registration certificate, it is impossible to handle legal mortgage procedures.

There is a vehicle registration certificate, but the vehicle management office records the state of the vehicle as collateral. Of course, the vehicle management office is not allowed to use the vehicle that has been mortgaged to others as collateral.

Each bank may have different regulations and flexible methods. Please ask the bank for details.

Extended data:

Loan description:

1, Vehicle License: After the money is lent out, the vehicle is still for your own use.

2. Fast loan: after the mortgage is completed, the loan can be released as soon as 1 day.

3. Wide use: it can be used for business purposes such as purchasing and purchasing, and can also meet consumer needs such as decoration, tourism and wedding.

Automobile mortgage material

1, valid proof of the owner's identity. Such as ID card, residence permit, etc.

2. Vehicle registration certificate, including vehicle driving license, insurance documents, spare keys, etc.

Automobile mortgage processing flow

1. The applicant applies for mortgage loan from the auto loan company;

2. The company receives and collects automobile information;

3. Car inspection, car inspection, test run and car evaluation;

4. Both parties shall determine the mortgage term, mortgage fee and management fee; Install GPS.

5. Sign a mortgage loan contract, register, and lend money by the company;

6. The borrower repays the loan on schedule.

Can the vehicle be mortgaged for the second time?

The loan car can be mortgaged twice.

If the actual value of the vehicle itself is relatively high, the first mortgage value is relatively low, and there is a residual value, then the residual value can be mortgaged again. Loan vehicles can apply for a second mortgage, but only if there is room for remortgage.

If an individual owns a car, but has mortgaged it as collateral, he can also refinance the loan with the car. Under normal circumstances, the monthly commercial loan interest of a loan 100w is 3625 yuan, and the loan interest of the provident fund part is 229 1.67. The monthly interest rate of the actual loan 100w may be higher than the above data. Interest is calculated according to the benchmark interest rate of 4.35% for commercial loans and 2.75% for provident fund loans. The actual interest rate of banks is higher than the benchmark interest rate.

The calculation method of average capital and principal and interest is the same as that of one month's interest, that is, 654.38+00,000× interest rate ÷ 654.38+02, and interest can be earned. When you apply for two mortgages, you don't need to pay off the last mortgage, saving time and cost.

Lenders handle loans through loan companies or financial institutions, and borrowers can not only get funds, but also get funds in a shorter time than going directly to the bank. Whether the user can apply for the second mortgage of the loan car depends on the audit results of the bank. After all, the risk of second mortgage is relatively high, so the standards for bank review may be stricter.

But generally speaking, a loan car can apply for a second mortgage. As long as the car purchased by users has room for mortgage, they can go directly to the bank for secondary mortgage. However, all users who apply for loan business need to have good personal credit problems, stable economic sources and repayment ability, and good current liabilities.

How to handle the second mortgage?

1. Under normal circumstances, in the process of secondary mortgage, the loan amount of secondary mortgage will not exceed the value balance of primary mortgage, which is mainly to prevent the applicant from paying off the debt and causing unnecessary trouble to the bank. In addition, the second mortgage does not require the consent of the first mortgagee, but it has obligations to the first mortgagee.

2. The documents required for the procedures of the second mortgage and the first mortgage are basically the same, that is, the procedures of vehicle inspection-vehicle inspection-vehicle mortgage registration at the vehicle management office-signing the loan agreement-withdrawing money on the day of lending.