A second loan is available.

Details:

1. According to the information provided, there is a loan in the name of the overdue 400,000 yuan house with a value of 450,000 yuan and another 280,000 yuan, which can be used for a second loan.

2. The first loan is 400,000, and the house value is 450,000, so there is enough collateral value to support the second loan demand.

3. The remaining 280,000 can also be used as an additional source of funds to further increase the amount available for a second loan.

4. When making a second loan, the borrower needs to meet the bank's credit evaluation and repayment ability evaluation and other conditions.

5. The amount of the second loan will be limited by bank policies, and the specific amount may vary according to individual circumstances.

6. It should be noted that second loans will increase the debt burden, and borrowers should reasonably plan their repayment capabilities to avoid financial risks.

Summary:

According to the information provided, there is a loan in the name of the overdue 400,000 yuan house with a value of 450,000 yuan and another 280,000 yuan, which can be used for a second loan. However, the specific amount and conditions still need to be determined according to personal circumstances and bank policies.

Extended information:

Second loan refers to applying for a loan from the bank again when the existing loan has not been repaid. Secondary loans are usually made by mortgaging the property, and the borrower can use the increased value of the home as collateral for another loan. Depending on factors such as domestic bank policies and personal credit evaluation, the amount, interest rate, and repayment period of the second loan may be different. When applying for a second loan, the borrower needs to provide relevant information and accept the bank's review and evaluation.