However, it should be noted that the secondary mortgage needs to meet certain conditions and requirements. First of all, you need to communicate with the original lending institution to find out whether they allow you to take a second mortgage. Secondly, the value of your house needs to be high enough to meet the requirements of the second mortgage. In addition, your credit history and repayment ability will also have an impact on the approval of the second mortgage.
When choosing a second mortgage, it is recommended that you consult a number of banks or financial institutions, compare the interest rates, repayment methods and loan conditions of different institutions, and choose the most suitable scheme for you. At the same time, you need to fully consider the risks and repayment pressure of the loan, ensure that you can repay the loan on time and avoid the adverse consequences caused by the loan problem.
In short, you can apply for a second mortgage for housing loans, but you need to meet certain conditions and requirements. I suggest you consult relevant institutions in detail before going to the second mortgage to comprehensively evaluate your repayment ability and risk tolerance.
Frequent application for loans or operations will increase personal credit risk and make applications more likely to be rejected. Personal credit risk index can be found in "Bejian Quick Check". The higher the risk score, the easier it is to refuse the application.