If the loan is not paid off, you can apply for mortgage of the house.

The mortgage has not been paid off, so you can borrow money. Whether an individual's mortgage is paid off has no effect on the individual's application for a loan. When a bank applies for a loan, the bank mainly looks at the applicant's current repayment ability and credit history. If the applicant has a good credit record and sufficient repayment ability, he can apply for a loan in the bank.

Therefore, an individual's mortgage cannot be paid off before he can apply. What needs to be understood is that since the personal mortgage has not been paid off, if you apply for a loan in the bank again, the bank will look at your repayment ability according to your current income and monthly mortgage situation. So in this case, because there are still mortgages to be repaid, the amount of loans that individuals can apply for will also have a certain impact.

If an individual has not paid off his mortgage, it is better to apply for a small loan than a large loan. Unless the applicant has a mortgaged property in his name, the bank will still check the repayment ability of the applicant.

Conditions of mortgage loan when the house has a loan:

1. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;

2. The house used for personal housing in the second mortgage must be an existing house;

3. The house is a first-hand house purchased with a mortgage loan from China Bank;

4. The house has excellent location, convenient transportation, complete facilities and great appreciation potential.