You can still get a loan if you have a mortgage, because the house can be mortgaged twice. The second mortgage is more convenient than the first mortgage, and the loan speed is faster, but the interest rate is higher. The requirements are as follows:

1. The house used for secondary mortgage must be an existing house;

2. The property has been registered as a mortgage, and the handling bank is from housing mortgages;

3. The real estate license is managed by the customer himself;

4. The balance of the house purchase loan with the secondary mortgage loan of the property is lower than 70% of the current house price;

5. The borrower has full capacity for civil conduct, stable income and good credit;

6. The property should be high-quality housing and commercial housing with great market development potential. Although two mortgage has effectively increased the amount of loans, it should be noted that there should be some loanable space for housing in two mortgage. In other words, if the first loan amount only reaches 30% of the appraised value of the mortgaged house, choosing the second mortgage will undoubtedly greatly increase the loan amount. Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks.

As long as it meets the loan conditions of other banks, it can be loaned. A loan in a bank requires the following conditions:

1. Purchase commercial housing designated by the bank in this city with legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport;

2. Open a deposit account in a bank with a deposit balance of not less than 30% of the house to be purchased;

3. Having valid purchase contracts, agreements and other supporting documents;

4. Agree to mortgage the property under the purchase contract;

5. Willing to perform all the terms of the loan contract;

6. Other conditions stipulated by the bank.

Materials to be published and provided:

1. Original and photocopy of resident ID card;

2. The original and photocopy of the house subscription book;

3. The original and photocopy of the down payment;

4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.