Legal analysis: (1) The following items can be used as collateral for personal housing loans: 1, houses owned by the mortgagor and other things fixed on the ground; 2. The land use right obtained by the mortgagor according to law; 3. Property stipulated by other laws recognized by the lending bank. (2) The following securities can be used as pledges for personal housing loans: 1, certificate-based national debt; 2. National key construction bonds; 3. Financial bonds; 4.AAA corporate bonds; 5. Securities such as certificates of deposit.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.

Article 399 The following property shall not be mortgaged:

(1) Land ownership;

(two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law;

(3) Educational facilities, medical and health facilities and other public welfare facilities of non-profit legal persons established for the purpose of public welfare, such as schools, kindergartens and medical institutions;

(4) Property whose ownership and use right are unknown or controversial;

(5) Property that has been sealed up, detained or supervised according to law;

(6) Other properties that may not be mortgaged according to laws and administrative regulations.