You can still get a loan if you have a mortgage, because the house can be mortgaged twice. The second mortgage is more convenient and faster than the first mortgage, but the interest rate is higher.

The conditions are as follows:

1. The house used for the second mortgage must be an existing house; 2. The mortgage registration of the property has been completed, and the bank is the mortgagee of the house. 3. The real estate certificate is in the possession of the customer himself; 4. The property has a second mortgage limit and the balance of the housing loan is less than 70% of the current house price; 5. The borrower has full capacity for civil conduct and has a stable income and good credit; 6. The real estate should be high-quality residential and commercial buildings with great market development potential. Although applying for a second mortgage loan effectively increases the loan limit, it should be noted that the second mortgage loan must be operated when there is a certain amount of loan space. In other words, if the first loan limit only reaches 30% of the appraised value of the mortgaged house, choosing a second mortgage loan will undoubtedly significantly increase the loan limit.

In general, it is not easy to apply for a bank loan, and failure to apply will also affect your credit record. In order to obtain lower financing costs and handle large-amount bank loans conveniently and quickly, people usually go to professional institutions, such as Dongguan Fangsu Loan. With their professional industry knowledge, they can help customers solve difficult problems in the financing process. Help customers choose the most suitable financing solution from thousands of banks. Fangsu loan financing consultation hotline: 0769-33888836