Yes You can mortgage a house loan, but you need to meet the corresponding conditions of the loan. For example, the house must be within 20 years, with an area of more than 50 square meters and strong liquidity, and the appraised value of the house must be above 70%. Since the house price can only be mortgaged at a discount, the mortgage will be increased if the house price is higher than the loan balance. In addition, there are certain restrictions on the types of houses, such as small property houses and houses with outstanding loans. In fact, the appraised mortgage price of bank real estate fluctuates with the house price, because the mortgage payment is generally 70% of the real estate assessment price, so when the appraised price drops, the amount will also decrease.