Hello, mortgage loans generally require real estate licenses. If the house you just bought is still under loan, you can pay it back first and then apply for a mortgage loan, which is a second mortgage. General mortgage loans can be loaned for up to 30 years, and the cycle is longer than other loan methods. The amount is also relatively high.

Real estate mortgage loan conditions:

1, the room age is less than 20 years;

2. The housing area should be more than 50 square meters;

3. The house should have strong mobility.

4. The mortgage loan amount is 70% of the appraised value of the house.

5. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years.

6. Generally, "house age+borrower age" means that men are under 65 years old and women are under 60 years old.

The following houses shall not be mortgaged:

1, small property right house

2. Second-hand houses that are too old and too small.

3. Public housing

4. Houses with outstanding loans (secondary mortgage can be made after approval by the bank)

5. Houses within the scope of demolition

6. Some hotels

7, cultural relics protection building

8. Illegal construction

9. Houses with disputed ownership

10, affordable housing for less than 5 years.

1 1. Houses purchased with national preferential policies cannot be fully mortgaged.

Besides, if you own a house, the mortgage is not 100% available. Banks should also look at your real estate, credit information, other assets, liabilities and repayment ability. I hope I can help you.