Of course. You can apply for a mortgage loan for a house, because most banks now have the business of secondary mortgage. You can apply for a loan as long as you meet the conditions of secondary mortgage, but it is best to ask the bank before applying. After all, there are still a few banks that cannot apply. You'd better apply for the first mortgage loan first, if not, then find another bank.

What are the requirements for a second mortgage of a house?

1. The second mortgaged house must be an existing house: the auction house has poor liquidity, and it is prone to problems such as unfinished tail and poor quality, so it is impossible for the auction house to handle the second mortgage. Most banks stipulate that only existing houses can handle two mortgage.

2. The borrower must have good credit: any loan requires the borrower to have good credit, and people with bad credit can't borrow money. Therefore, if you want to apply for a house, you should repay the loan on time and maintain a good personal credit.

3. The house has been insured, and the original insurance policy was managed by China Bank: in fact, you don't have to worry about this, because home insurance must be bought when you apply for a mortgage, so you should take good care of the purchase contract and some receipts when you apply for a mortgage, and don't lose them.

4. Clear property rights: To apply for a second mortgage, the property rights of the house must be clear and the borrower must own the house. A house with property disputes cannot apply for a second mortgage.

The repayment order after the re-mortgage of the house is determined according to the following provisions:

1. If the mortgage has been registered, the repayment order shall be determined according to the time of registration;

2. The registered mortgage is paid before the unregistered mortgage;

3 mortgage unregistered, according to the proportion of creditor's rights.

Mortgage refers to the creditor's right to discount the property provided by the debtor or a third party as a guarantee for debt performance without transferring possession, or to give priority to the payment of the auction or sale of the property when the debtor fails to perform the debt or realizes the mortgage according to the agreement of the parties. In the legal relationship of mortgage, the person who enjoys the mortgage is the mortgagee (that is, the creditor), the person who provides the mortgaged property is the mortgagor, and the property provided as security is called mortgaged property.

Legal basis:

Measures for the administration of urban real estate mortgage registration

Article 9 Where more than two mortgages are set on the same real estate, the mortgagor shall inform the mortgagee of the mortgages already set.

The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property.

After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.