getting a mortgage loan, whats the problem?

could someone please explain to me why the bank doesnt want to give us a loan. we have a mortgage already, the thing is we owe 48000 on the mortgage, we want to tear down our old house and take out another 80000 to rebuild, so we would combine the old with the new. our credit is good,no bad debt, payments on time. i dont understand what the problem is. advice please!

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