It may be different from place to place, but I didn't say that here, because you can't get a mortgage loan until you pay off the mortgage, and the name of the real estate license is your own, so the loan has nothing to do with the original owner, so the bank will raise your interest rate. 2 suites, we will raise interest rates here, but it does not rule out that local policies are different. I suggest you go to the bank where the loan is made.