You can still apply for a mortgage if you haven't paid off your mortgage, but whether you can apply successfully depends on the borrower's repayment ability. Usually, the lending bank requires the borrower to pay no more than 50% of his monthly income. Once it exceeds the bank, it will feel that the borrower's debt ratio is too high and there is not enough repayment ability, so it will directly refuse the loan.

Conditions for applying for mortgage loan

1, legal identity. A natural person who pays the housing accumulation fund in full and on time. Have stable economic income, good credit and the ability to repay loans.

2. There are legal and effective purchase contracts, agreements and other documents required by the loan bank. More than 30% of the total price of the purchased house is self-raised and guaranteed to be used to pay the down payment of the purchased house.

3. There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor. Meet the loan conditions stipulated by the local provident fund management department. Stipulated by the lending bank.

Procedures for applying for mortgage

Going to the bank to apply for a mortgage basically follows the procedures of signing a house sales contract, submitting a loan application to the bank, signing a loan contract with the bank, handling mortgage procedures, insurance procedures, and house payment.

1. Sign the house sales contract. Of course, this is only an intentional contract. Don't transfer the ownership yet, and don't pay the down payment. The down payment depends on the terms you talked with your previous hand.

2. Submit a loan application to the bank. After accepting your application, the bank will ask you to provide supplementary information if the information is incomplete or insufficient. The general approval time will be about 2 weeks.

When the bank has approved your loan application instead of your loan, you should pay attention. You should ask the bank manager when you can arrange to release the loan after the mortgage is completed. After confirmation, you can handle the transfer and pay the down payment.

4. Sign loan contracts with banks, pay various fees, and handle mortgage and insurance. When signing a loan contract, you should read the terms clearly, because most bank managers do these loan contracts in batches, and mistakes and omissions are inevitable.

5. Go through mortgage and insurance procedures.

6. loans. Some banks need customers to go to the bank again to apply for loans. Remember to ask the bank for a loan contract and loan receipt that belongs to you after the loan is finished, and the second-hand house will also have insurance policies, evaluation books and so on. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.