The house can be mortgaged twice. But the conditions of the second loan are very harsh. The requirements are as follows: 1. The house used for secondary mortgage must be an existing house; 2. The property has been registered as a mortgage, and the handling bank is from housing mortgages; 3. The house has been insured, and the original policy is managed by the bank; 4. The real estate has a secondary mortgage line; 5. The borrower has full capacity for civil conduct, stable income and good credit. The legal basis is according to Article 397 of the Civil Code: If a building is mortgaged, the right to use the construction land within the occupied area of the building shall be mortgaged together.