It is impossible to mortgage a house for a second time without paying off the loan. The so-called second mortgage means that the value of your current house has increased. For example, you can borrow 1 million for your current house, but first When you took out the first loan, you only borrowed 500,000. Then you can apply for a second mortgage and report it to the bank first. After the bank approves the loan, you need to pay off the first loan and go to the Construction Committee to release the mortgage, and then you will get a certificate on your house. Stamp a small release stamp, so that you can get a second loan at a second bank. Then it depends on how long the credit extension of the bank you borrowed from is. You can only get a sequential loan from the second bank. Understand, that is After one year of repayment, for example, if the credit granted to you is five years, you can continue to use it in the second year and cycle it for five years