Mortgage 300,000 yuan, guarantee 200,000 yuan for others, and buy a second suite with a loan. According to public information, if you have a mortgage and give others a guarantee, you can borrow money to buy a house, have the ability to repay, and have the qualification to buy a second suite. The mortgage has not been paid off, and you can still borrow it. You can apply for a loan through a second mortgage, or you can repay the remaining loan through a guarantee company and then apply for a loan again.