The topic is correct and practical. If the current appraisal price of the house is 800,000, the down payment is 20% and the maximum loan is 80%, that is, 640,000. After deducting the previous loan of 320,000 yuan, there is still 320,000 yuan left, and after deducting various taxes and fees, there is still 280,000 yuan left. If you want to borrow more, you can look up at the real estate appraisal, or look up at180,000. This method can be used for 30 years. Another way is mortgage. You can mortgage 320,000 yuan in bridge loan, and then you can apply for a mortgage loan with the house book as the owner, and you can only borrow it for 10 years at the longest. The subject decides for himself. Finally, whether immediate family members can do this depends on asking real estate professionals if you can do what you want.