Mortgage is different from mortgage. Mortgage loan is a loan to buy a house and then use the purchased house as collateral. If the applicant already has a mortgage, he can still apply for a mortgage, regardless of whether the applicant has other loans.

First, having a mortgage has nothing to do with reapplying for a mortgage.

If you already have a mortgage and want to apply for a mortgage, there is no problem at all. You won't be disqualified from applying for a mortgage just because you have a mortgage. Only when the mortgage loan in the applicant's name has not been paid off, the personal debt will be higher and the pressure of applying for mortgage repayment will be heavier. If the applicant is worried that the existing mortgage loan will affect the approval of the mortgage loan, it is suggested that he can apply for early repayment, pay off all the mortgage loan or pay off part of it in advance to reduce the personal debt ratio. After the personal debt ratio is reduced, he can apply for a mortgage loan, so there is generally no problem in passing the mortgage loan approval smoothly.

Second, the conditions or requirements for applying for mortgage with mortgage loans.

Lending institutions will require lenders to issue proof of loan economic income or solvency. If the mortgage applicant has average economic conditions and does not have sufficient repayment ability; Or because the existing mortgage has been repaid before, there has been overdue behavior, which may lead to the inability to apply for a mortgage in a short time. Banks will consider the overdue behavior of the applicant's existing mortgage, and may refuse to approve the mortgage because of the applicant's credit problems, or worry that the customer's repayment ability is insufficient, which will increase the risk of overdue after the loan.

Third, the problems that should be paid attention to when applying for mortgage loans with mortgage loans

If you have a mortgage loan, you must repay it on time and maintain a good personal credit. Don't mortgage loans overdue. The amount of mortgage loan is related to many factors, such as the age of the loan house, the age of the borrower, the liquidity of the house and the liquidity of the loan house. These factors will affect the evaluation value of the house and the loan ratio, which needs the evaluation of professional institutions. Generally speaking, the amount of mortgage is generally not fixed. If you want a high loan amount, the general main lender will choose the party with a higher and more stable down payment, make a house purchase budget in advance, and expect to pay various taxes, insurance, maintenance funds and other follow-up expenses.

To sum up, those who already have a mortgage can still apply for a mortgage. How much you can apply for a mortgage depends on the repayment ability of the applicant and the income-debt ratio of the borrower or the borrower's family.