Yes.

1. Mortgage loans need to be evaluated based on your comprehensive qualifications, taking into account your income, debt, credit history, repayment ability, etc. High debt will affect loan approval, but approval should be based on the actual results of the loan system. Applying for most bank loans is difficult. This ratio is controlled within 70% of the debt ratio. If you get closer to this point, it usually decreases. The number of online loans is too high, and the prerequisite for banks to pass is that they need to clear the online loans. There are also personal banks that do not have high requirements on liabilities, net borrowings, and overdue issues. As long as the house is within 25 years old, of good type, and of high value, you can apply.

2. Generally speaking, it is possible to apply for a loan, but the success rate may be low, but there is no solution. It is true that if you buy a house with a loan, the debt may be too high, but if the already mortgaged house is still available, you can take out a second mortgage.

3. Second mortgage loans also require certain conditions. Because banks generally do not accept second mortgage loans directly, they require the intervention of a guarantee company, which provides short-term dismantling services with their own funds. Pay off the remaining balance to release the mortgage on your home. After canceling the mortgage, you can reapply for a home mortgage loan, so that you can get a higher mortgage loan.

4. If you have too much debt, the mortgage on your house may not come due. Whether a user can apply for a mortgage loan depends on the applicant's repayment ability. If the main borrower has the ability to repay and can afford the loan business, he or she can apply for a mortgage loan. It should be noted that the mortgage can take on reasonable debt. If the debt is too high, it will still have a negative impact on home mortgage loans.

How much can I borrow from a bank with a real estate certificate?

You can borrow about 70% of the appraised value of the house. For example, if the appraised value of your house is one million, you can get a loan of up to 700,000. In fact, the loan amount is not only related to the appraised value of the house, but also closely related to your credit record and repayment ability. The specific loan amount should be subject to that provided by the bank.