首套房贷款没有还完二套房可以贷款吗?

首套房贷款未还完能否二套房贷款?首套房贷款未还完,如果首套房申请的是公积金贷款,那么二套房可以申请商贷。而首套房申请的是的商业贷款,在未还清的状态下,二套房可以申请公积金贷款或商贷。因此,首套房的贷款没有还清,用户仍然可以申请二套房的房贷。

二套房在申请房贷时,首付比例会增加,房贷利率会增加,因此用户需要具备较强的还款压力,否则会有逾期的风险。


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