You can borrow a house once and borrow a second time. Secondary mortgage refers to the mortgaged property. When the loan is not paid off, continue to handle the mortgage business. Due to the high risk of secondary mortgage, most financial institutions do not accept loan applications for secondary mortgage. Although a few financial institutions handle the second mortgage business, the probability of passing the loan review is relatively low. So the house can handle the secondary mortgage business, but the success rate is not high.

Users can try to apply for a credit loan if they don't need a large loan. Credit loans do not need guarantees and mortgages. As long as the user has a good personal credit and a certain repayment ability, then the user can submit a loan application. And because I already have a mortgage in my name, it can increase the probability of getting a credit loan.

What are the conditions for the second mortgage of real estate?

1. You can apply for a house by mortgage twice. Generally speaking, you should have better hedging and space. Therefore, the geographical location of the house and the surrounding facilities are better;

2. You can apply for a house with a second mortgage, which must be an existing house, not an auction house;

3. The borrower's credit of the second loan should be good, and there is no serious record of the existing mortgage loan;

The borrower of the second loan must have a stable income. Can guarantee to repay the new loans on time on the premise of returning the existing loans;

5. Under normal circumstances, the bank that can handle the second mortgage is the same as the bank that handles the first mortgage;

6. Sometimes, banks will require borrowers to apply for insurance according to regulations;

7. Applying for a second mortgage often requires the first loan, which has been repaid on time for a certain number of years.