The house on loan can be mortgaged. A mortgaged house can be mortgaged. There are generally two ways: 1, through bank loans. Usually, it is necessary to repay the loan in advance, and then mortgage it in other banks after paying off the remaining loan of this property. However, in some banks, mortgage houses can be directly mortgaged. 2. Loans through guarantee companies. There is no need to prepay, but the loan amount generally cannot exceed the residual value of the mortgaged property. Article 35 of the Commercial Bank Law: Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Can the house be mortgaged again with a loan?

The real estate license has been mortgaged and can be mortgaged twice. Secondary mortgage belongs to balance mortgage. According to the provisions of the Property Law, as long as there is a balance in the value of the property after the first mortgage, the second mortgage can be made. Generally, only the applicant's real estate license (real estate certificate or house ownership certificate, land use right certificate or purchase contract and invoice) and identification documents (resident ID card, military officer's card, etc.) are required. ) to handle two mortgage loans.

According to Article 199 of the Property Law of People's Republic of China (PRC), if the same property is mortgaged to more than two creditors, the proceeds from auction and sale of the mortgaged property shall be paid off in accordance with the following provisions:

(1) If the mortgage has been registered, it shall be paid off in the order of registration; In the same order, it shall be paid off according to the proportion of creditor's rights;

(2) The registered mortgage is paid off before the unregistered mortgage;

(3) If the mortgage is not registered, it shall be paid in proportion to the creditor's rights.

Extended data:

Article 194 of People's Republic of China (PRC) Property Law * * * The mortgagee may give up the mortgage or the sequence of the mortgage. The mortgagee and the mortgagor may change the order of mortgage rights and the amount of secured creditor's rights through agreement, but the change of mortgage rights shall not adversely affect other mortgagees without the written consent of other mortgagees.

If the debtor mortgages his own property, and the mortgagee abandons the mortgage, the mortgage order or changes the mortgage, other guarantors shall be exempted from the guarantee liability within the scope of the mortgagee's loss of priority rights, except that other guarantors promise to still provide the guarantee.