There is a limit to the amount of loans a house can get at the same time, usually 60-80% of the value of the house. After the mortgage of real estate, if there is room for refinancing, it can be mortgaged again. For example, for a house, there is only 20% loan in Bank A (20% of the property value), which is far below the maximum loan amount, so this suite has room for refinancing. Homeowners can apply for loans from Bank A or other banks. A necessary prerequisite for refinancing is that the property has obtained the title certificate. For example, the property purchased by mortgage loan cannot be mortgaged again even if there is room for loan without obtaining the property right certificate. Mortgage/mortgage refinancing usually has two modes of operation. One is the loan after the case is closed, that is, the guarantee company or loan intermediary company will settle the original mortgage first, lift the mortgage of the property, and then apply for a mortgage loan again. The loan funds need to be repaid to the third party company. The second is sequential mortgage. The original mortgage can not be closed, and at the same time, you can apply for a loan from another bank (or you can re-apply for a loan from the original bank). The loan interest rates and expenses incurred in the process of the two loan methods will be different.