有房贷的房子可以做抵押贷款吗？-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	有房贷的房子可以做抵押贷款吗？
释义	正在做按揭还款的房子是可以向银行申请二次抵押贷款的。在做二次抵押贷款时，需要注意以下几点内容：1.用于二次抵押贷款的房屋应为市场发展潜力较大的优质住房和商业用房;2.用于个人房屋二次抵押贷款的房屋必须是现房;3.房屋是使用中国银行抵押贷款所购买的一手房;4.房屋所处位置优越，交通便利，配套设施齐全，具有较大的升值潜力。【本文关联的相关法律依据】《中华人民共和国城市房地产管理法》第三十二条房地产转让、抵押时，房屋的所有权和该房屋占用范围内的土地使用权同时转让、抵押。
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