Legal analysis: two conditions of house mortgage: 1. First of all, the borrower has no interest arrears, stable income and good credit; 2. Secondly, the borrower needs to have the ability to repay the principal and interest of the loan on schedule, and has paid the principal and interest on schedule for more than two years; 3. This house is a personal house, and it must be an existing house in two mortgage loans; 4. Then the mortgage registration has been completed, and the handling bank is a housing mortgage loan; 5. The house has been insured and the insurance policy is managed by the bank; 6. The housing demand of secondary mortgage is high-quality housing and commercial housing with great market development potential.

Legal basis: Article 9 of Measures for the Administration of Urban Real Estate Mortgage. If more than two mortgages are set on the same real estate, the mortgagor shall inform the mortgagee of the mortgage that has been set.

The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property.

After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.