A house with a loan can be used as a mortgage. But not all lending institutions support mortgage loans. Because the applicant has applied for a mortgage, his own debt is relatively high. If he can't have a good repayment ability, the lending institution won't lend.

Of course, different lending institutions have different requirements for applying for mortgage loans for the houses they borrow. For example, the Agricultural Bank of China requires houses to be local and ordinary houses, villas, shops or office buildings, and the mortgage ratio of real estate is 50%. The Industrial Bank stipulates that the house must be located in the local urban area. In addition to ordinary houses, villas, shops or office buildings, factories can also apply, but the age of the house cannot exceed 15 years.

Can I still buy a house with a mortgage? In fact, this problem is not static, mainly depends on the type of house and the personal situation of the owner. Can I still apply for a mortgage loan for a mortgaged house? It is no problem to apply for a loan for a mortgaged house. The general loan depends on the individual's repayment ability and economic income, so there is no accurate answer. You can go to the local bank for consultation.