Generally speaking, this is not possible, but there are solutions, as follows.

If you want to remortgage a house with an unpaid loan, you must first pay off the bank loan and obtain complete ownership of the house before you can sign a mortgage contract with others and go to the housing management department in accordance with the law. Mortgage registration procedures. You can consult third-party guarantee companies and lending institutions for resolution.

The method is to get approval from the mortgage bank, and then they will advance funds to help you pay off the loan, then release the mortgage and carry out the mortgage to achieve the purpose of financing. However, this method requires payment of relevant handling fees. Of course, formal guarantee companies charge reasonable fees.

It should be noted that no matter which method is used to achieve the purpose of refinancing a house with an unpaid loan, it means that the borrower’s debt has increased, so remember to review your own finances reasonably. Please make sure you have the ability to repay before applying.

Extended information

Mortgage loan, also known as "mortgage lending". Refers to a lending method used by banks in some countries. The borrower is required to provide certain collateral as a guarantee for the loan to ensure the repayment of the loan when it is due. Collateral is generally items that are easy to preserve, not easy to lose, and easy to sell, such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and use the auction proceeds to repay the loan.

The scope of collateral in Article 3 of the "Mortgage Loan Management Measures": fixed assets with value and use value that comply with legal provisions (such as houses and other above-ground buildings, transportation vehicles, machinery and equipment); Materials or property that can be circulated and transferred.

Article 4 Information that the mortgagor should provide:

1. The mortgagor’s written application and relevant certificates agreeing to the mortgage;

2. Qualification certificate of the mortgagor;

3. Proof of ownership (or right to dispose of) the mortgaged property;

4. Basic condition of the collateral;

5. Other relevant information.

Reference materials:? Baidu Encyclopedia Mortgage Loans, Baidu Encyclopedia Real Estate Mortgage Management Measures