1. The house used for secondary mortgage must be an existing house;

2. The property has been registered as mortgage, and the handling bank is a housing mortgage loan;

3. The house has been insured, and the original policy is managed by the bank;

4. The balance of the second mortgage loan of the property is lower than 70% of the current house price;

5. The borrower has full capacity for civil conduct, stable income and good credit.