A house with a loan can be mortgaged twice, but certain conditions need to be met. Generally speaking, when banks and non-bank financial institutions make a second mortgage, they must require the first mortgage of the house to be a bank mortgage or a bank mortgage, and cannot be mortgaged by individuals or non-bank financial institutions.

Second, mortgage has certain requirements for housing. Housing must be an existing house, which can be listed and traded, and has a real estate license. At the same time, the value of the house must be greater than or equal to the amount of the mortgage loan to ensure that the value of the house is enough to repay the new loan. In addition, borrowers need to have a good credit record and a stable source of income to prove their ability to repay new loans.

Although the loan house can be mortgaged twice, it is not an ideal financing method. Because of the high risk in two mortgage, if the borrower fails to repay the loan on time, the bank may auction or sell the house to repay the debt. In addition, the interest rate in two mortgage is usually higher than the interest rate on the first mortgage. Therefore, borrowers need to carefully evaluate their repayment ability and carefully choose loan products and banks before choosing loans.