Legal analysis: the installment house is still in the mortgage loan, so you can't go to the bank for a loan. Pay off the loan and cancel the mortgage before applying for a mortgage loan, as follows; After paying off the loan, apply for the loan with the house as collateral and the business enterprise (business license) as the lender.

Bring the lender and the lender's identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report to the bank for application. After approval, go to the housing management department for mortgage registration, and then go to the bank for loan withdrawal.

Legal basis: Article 410 of the General Principles of the Civil Law of People's Republic of China (PRC) * * * If the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to discount the collateral or give priority to compensation with the price of auction or sale of the collateral. If the agreement harms the interests of other creditors, other creditors may request the people's court to cancel the agreement.

If the mortgagee and the mortgagor cannot reach an agreement on the way to realize the mortgage, the mortgagee may request the people's court to auction or sell the mortgaged property.

Where the mortgaged property is discounted or sold, it shall refer to the market price.