1. Industrial and Commercial Bank of China and China Merchants Bank can apply for "second mortgage" loans, but the borrower is required to apply for the first mortgage at our bank;

2. Bank of Jiangsu, Industrial Bank, Ping An Bank and China Minsheng Bank can accept second mortgage loans from non-bank customers.

1. Required conditions for application:

1. Whether the real estate certificate has been applied for;

2. Whether there is still room for loan for the mortgaged property.

2. Suggestions for choosing a bank:

1. Industrial Bank: Industrial Bank’s second mortgage loan period is currently the longest among all banks and can last up to 30 years. Other banks generally can only do this business for 5-20 years. If you want to take out a longer-term second mortgage, it is recommended to choose Industrial Bank.

2. Ping An Bank: Ping An Bank has always been "generous". The same is true for second mortgage business. If borrowing is more focused on the loan amount, Ping An Bank is a good choice. Its loan limit can reach 75% of the loanable space of the property.

3. Bank of Jiangsu: In the second mortgage loan business, Bank of Jiangsu has no restrictions on which bank the borrower’s first mortgage can be processed, and the funds can be recycled within five years after the second mortgage loan. It can be borrowed and returned at any time, which is relatively flexible and convenient.