On the basis of paying off a certain amount of first-class loans, you can apply for a certain amount of loans from financial institutions, which is called second-class loans. Not every bank has this business, and every bank that handles this business has different regulations, and there are many restrictions on secondary loans. For example, the nature of housing, the nature of insurance, and the appreciation potential. There is also a second loan that generally does not enjoy interest concessions, but will charge interest. Because the original loan balance has to be subtracted, the amount of funds that can be borrowed is relatively small. Ordinary bank employees are reluctant to handle this business.