The second mortgage of the house, because the property itself has mortgage debt, the risk of mortgage here will be relatively large, because the ownership of the property will only belong to one party, so the three parties, the mortgaged house will bear relatively large risks, so the interest is relatively high.

1, loan amount = house value * mortgage rate-original loan principal balance. 2. The value of the house is compared with the original purchase price of the house and the evaluation price at the time of secondary mortgage, whichever is lower. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%.