China Bank, China Industrial and Commercial Bank, China Construction Bank and China Agricultural Bank. Secondary mortgage refers to re-mortgaging the mortgaged property and obtaining loans from specific lenders. If China Bank, Yancheng Industrial and Commercial Bank, China Construction Bank and Agricultural Bank support two real estate mortgages and set more than two mortgages on the same real estate, the mortgagor shall inform the mortgagee of the mortgages already set. The conditions for applying for a second mortgage include: a house with a mortgage loan of less than 70%, a house with a balance payment for applying for a second mortgage, and a house age limit of 30 years for a second mortgage.