If the house bought by loan has been repaid, it can be mortgaged; However, if the loan has not been repaid, whether it can be mortgaged depends on the relevant regulations of the bank.

The second mortgage of housing has higher requirements for housing loans and other things. Generally, only those houses with good geographical location can be handled. In addition, real estate mortgage does not affect the normal use of individuals. As long as the repayment is made on time, housing rental and personal residence will not be affected.