On the basis of mortgage loan, you can borrow again. However, certain conditions need to be met, mainly the ability to repay loans and personal credit information, otherwise the bank will refuse to lend.

1. When the general mortgage loan has not been paid off, the borrower can continue to apply for a loan from the bank. General banks mainly check the borrower's credit history and economic ability. If they can repay the mortgage at the same time, they will generally pass the audit.

2. Conditions for individuals to apply for mortgage:

(1) The borrower is 20-55 years old and is a citizen of Chinese mainland, and his/her identity certificate (refers to the valid residence certificate such as resident ID card and household registration book);

(2) Proof of stable economic income of the borrower's family;

(3) Approval documents such as letter of intent, agreement or real estate license that meet the requirements;

(4) List of mortgaged property or pledge, certificate of ownership, and certificate that the person who has the right to dispose of it agrees to mortgage or pledge; Collateral evaluation certificate issued by the competent department, and the guarantor agrees to provide written documents of guarantee and credit certificate of the guarantor;

(5) To apply for housing provident fund loans, a certificate issued by the housing provident fund management department is required;

(6) Other documents or materials required by the lender to explain the purpose of the loan to the bank and prove its ability to repay the principal and interest.