二贷 / 三贷

What is a Second or Third Mortgage?

A second or third mortgage is a loan taken against your property that sits behind your first mortgage. You’re borrowing against the equity you’ve built up in your home. These loans are often used when the first lender won’t allow additional borrowing, or when you need short-term access to cash.

什么是第二或第三房贷？

第二或第三房贷是以您已经积累的房屋净值为基础，在第一房贷之后增加的一笔贷款。这类贷款通常用于原始贷款机构不允许增加贷款额度，或当您需要短期资金时使用。

Why Consider a 2nd or 3rd Mortgage?

A second or third mortgage can be a useful financial tool in many situations. It lets you tap into your home equity without breaking your existing mortgage, and can provide funds for home renovations, business investment, education, debt consolidation, or other cash needs.

为什么要考虑第二或第三房贷？

第二或第三房贷在很多情况下都可以作为实用的财务工具。它允许您在不结束现有贷款的前提下，提取房屋净值，来支付家庭装修、商业投资、教育开支、债务整合或其他现金需求。

Key Differences from First Mortgage

Compared to a traditional first mortgage, second and third mortgages usually come with higher interest rates and shorter terms (often 1 to 2 years). Many are interest-only loans and are often funded by private or alternative lenders, not major banks.

与第一房贷有何不同？

与传统的第一房贷相比，第二和第三房贷通常具有更高的利率和更短的期限（通常为1至2年）。很多此类贷款只需偿还利息，并且多由私贷机构或另类贷款方提供，而不是主流银行。

What You Need to Qualify

To qualify for a second or third mortgage, you need to have enough equity in your home—usually at least 15–20%. You’ll also need a fair or good credit score, documented ownership and mortgage details, and either provable income or a clear exit strategy, such as selling the property or refinancing in the future.

办理条件

想申请第二或第三房贷，您需要拥有足够的房屋净值——通常至少为25%到50%。此外，还需要良好的信用评分、现有房贷与产权的相关文件，以及有收入来源或明确的退出计划，例如未来出售物业或再融资.

How Kelly Can Help

Kelly will assess whether a second or third mortgage is the right choice for your situation. She works with trusted private and B lenders, negotiates competitive terms on your behalf, and helps organize the required documents. With her support, you can understand your options clearly and proceed with confidence.

Kelly 如何协助您

Kelly 会为您分析第二或第三房贷是否适合您的财务情况。她与值得信赖的私贷及B类贷款机构合作，能为您争取有竞争力的贷款条件，并协助整理所需文件。在她的协助下，您可以清楚地了解各项选择，从容做出决定。