Look for an intermediary first, and they will help you apply for a mortgage loan from the bank according to the fact that your house has no loan. Then, after the approval, pay off the money you still lack. The question that will arise in the middle is whether you have money to pay back. If there is no general intermediary company to provide advance payment, you will receive about 3% monthly interest. After the payment is completed, you will take out the real estate license and go to the Housing Fair to cancel the mortgage, and then re-apply for the mortgage of this loan, and then the bank will lend money.
This way is actually to lend out the value-added part of your house in the past five years. The time will definitely be longer than ordinary mortgage loans, usually more than a month. What's more, if you used to borrow from CCB, CCB now has credit loans for existing customers who have first-hand houses for more than one year and second-hand houses for more than two years. You can consult the local CCB for details. Of course, this premise must be a loan from CCB now.