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枫下家园 / 钱财税务 / 问一下专家。我找HSBC贷款被拒。理由是我一个房子有两个mortgages.要转得一起转，不能只转一个。所有银行都这么要求吗？
-eeryv(eeryu);
2018-9-9
(#11689521@0)
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不是专家，不过好奇：银行贷款的基础是拿房子做抵押贷款，一个房子向两家银行贷款，这是如何做到的？如果房主还不起其中一家银行贷款，这家银行只有权拍卖部分房间？
-zbeifly(不是爱风尘似被前缘误);
2018-9-9
(#11689634@0)
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First Mortgage and second mortgage. Second Mortgage, bank has higher risk
-eeryv(eeryu);
2018-9-9
(#11689642@0)
+1
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如果房子升值了第二次贷款我理解，如果贬值了第一次都是问题了。
-blanc(so what);
2018-9-9
(#11689645@0)
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如果是同一家银行的2个贷款，这有什么好处吗？为什么不consolidate 成一个？一般贷款额高更容易拿到好利率啊
-zbeifly(不是爱风尘似被前缘误);
2018-9-9
(#11689646@0)
+1
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The second mortgage was Heloc before. I used some money from loc for investment,then then convert it to second mortgage for lower rate. The problem is I can not transfer my first mortgage to another bank now. HSBC told me when transferring out, My second mortgage become first mortgage immediately, and HSBC can only have second mortgage even it is my first mortgage at current bank. My question is : Does first mortgage transferring out always change to second mortgage?
-eeryv(eeryu);
2018-9-9
{392}
(#11689653@0)
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大银行都只做first title ranking mortgage，没可能一女嫁两家，将来还不上了，让哪一家take over? 难不成还要打官司先？
-jessiec123456(jessiecccc);
2018-9-10
(#11690818@0)