Generally, if the house only has a purchase contract, you cannot apply for a mortgage loan. To apply for a real estate mortgage loan with a house, the house must have a real estate certificate before you can apply for a real estate mortgage loan. If you don't have a real estate certificate, you generally cannot apply for a real estate mortgage loan. \x0d\　However, since the house is a mortgaged house, you can apply for a second mortgage loan from the bank without a real estate certificate. However, to apply for this kind of loan, the bank that handles housing mortgage loans is required to have this business, and the applicant's housing mortgage loan is required to have been repaid on time for more than two years, and the house has a certain mortgage value before it can be applied for. \x0d\　If an individual wants to use a mortgage house to find another bank or guarantee company to apply for a second mortgage loan. It is required to apply for a real estate certificate from the bank first, and then apply for a second mortgage loan. Individuals can also find a local intermediary guarantee company to advance funds for mortgage housing, first redeem the house from the bank, and then use the house to apply for a real estate mortgage loan with the guarantee company. \x0d\For mortgage houses with only a purchase contract, if you want to apply for a real estate mortgage loan, you can only see whether the bank that provides the mortgage loan can handle a second mortgage loan. If the loan amount required by an individual is not high, you can also go directly to the bank to apply for a personal consumption loan or business loan.