According to Article 19 of the Measures for the Administration of Individual Housing Loans: During the mortgage period, the mortgagor shall not mortgage or lease, transfer, sell or give the collateral again without the consent of the lender. 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.