I suggest you find a guarantee company for consultation. I have been in the real estate business for more than 5 years. In the past, there were loans such as mortgage loans. Even if you have a loan on your house, you can still loan out part of the money after the value of the house appreciates. The first few questions that are not clear are:

1. Where is your house? , banking policies vary from place to place.

2. If you don’t have a mortgage on your house, you can’t get a loan in Beijing with a second-hand house mortgage. If it’s a local loan, it depends on the bank’s policies.

3. It is impossible for the loan company you are worried about to sell your house. Unless a carte blanche is notarized to them, no one can sell the house without your presence. Come on, put your heart in your stomach and sleep well.

4. If you don’t have a house and can get a loan, the guarantee company will tell you the materials.

Summary: You can’t find the answer on the Internet, maybe because everyone is unprofessional, maybe because your expression is not clear enough, or maybe because of regional differences and differences in policies, etc., so I only give you some methods. Don't trust the Internet too credulously, so as not to delay your big event. Find a reliable guarantee or bank (a bank that accepts direct loan customers) for consultation. Finally I wish you good luck.