There is a limit to the loan amount that a house can get at the same time, which is usually 6-8% of the value of the house. After the real estate mortgage loan, if there is room for refinancing, it can be mortgaged again. For example, a house currently has only 2% of the loan in Bank A (2% of the property value), which is far below the maximum loan amount, so this suite has room for refinancing. The homeowner can apply for a loan from Bank A or other banks. A necessary prerequisite for refinancing is that the property has obtained the title certificate. For example, the property purchased by mortgage loan cannot be mortgaged again even if there is room for loan without obtaining the property right certificate. Mortgage/mortgage refinancing usually has two modes of operation. First, the loan will be made after the case is closed, that is, the original mortgage will be settled first by the guarantee company or the loan intermediary company, and the property mortgage will be released, and then the mortgage loan will be re-applied. Loan funds need to be repaid to the third-party company. The second type is sequential mortgage. The original mortgage can be closed without closing the case, and at the same time, you can apply for a loan from another bank (you can also apply for a loan from the original bank again). The loan interest rate and the expenses incurred in the process of the two loan methods will be different.