First, under certain circumstances, people must first make it clear that the house that can be mortgaged must have paid off the previous loan from the bank, because many people will borrow from the bank before buying a house, that is, mortgage to buy a house. If you want to mortgage this house to the bank again and get a loan from the bank, you need to pay off all the money you owed to the bank before. If you pay off the loan, you mortgage it. In fact, the bank is equivalent to giving the money to the borrower. At this time, the money has reached the borrower's hand. As for what kind of means to spend, the bank will not actually pursue it too much. Therefore, if you want to use it at this time, it is no problem to repay the loan for another house, but people also know that when banks apply for house loans, they must check the running water and make sure that they can pay off the house loan before lending.
Second, don't follow the routine, but in fact, unless there are special circumstances, people won't do this, because the loan with the bank when buying a house belongs to mortgage, and the mortgage interest rate is usually low, but when making a mortgage, the interest rate is another interest rate. No one will use high interest rates to pay back money with low interest rates, so many people will not choose to pay off their house loans in this way. Moreover, if you have such an idea, you will take advantage of it, and many people will persuade people to mortgage their houses. But in fact, mortgage loans are also risky. You can't just listen to others and mortgage the house.
Third, banks lend. However, people choose mortgages. Another reason is that the loan review mechanism of mortgage loan is relatively simple, because the bank already has the mortgage of the house, and even if it can't pay back the money in the future, it can auction off the house, so that the accounts can be handled in time. In fact, banks will conduct various audits when lending, especially in the case of national financial tightening. If there are still a lot of bad debts, it is actually very unfavorable to the country. Don't cheat the bank's loans with opportunistic ideas.