I can't. If you don't have complete documents, you can't get a loan. It will take five years to get the three certificates for demolition and resettlement houses. What are the attributes of the three certificates of demolition and resettlement housing? If the state has the nature of subsidies, it will write affordable housing on the real estate license, so even if you get the three certificates, you can't mortgage the loan. Some write 10% affordable housing, or even 1%. After the demolition, the nature of non-economic housing can be mortgaged and traded. The expedient measure is only 50%. To get a 70% expedient measure, you need to pay the land transfer fee and turn it into a real commercial house.

1. Whether the resettlement house can be mortgaged mainly depends on the following factors:

(1) depending on whether the land certificate is state-owned or collective, if it is collective, it cannot be mortgaged;

(2) See if it can be listed and traded; if it can't, it can't be mortgaged;

(3) See if there is a house property right certificate, if not, you can't apply for mortgage.

2. Other conditions that personal loans need to meet.

(1) Have permanent residence or valid residence status within the administrative area;

(2) When applying for a loan, the housing provident fund is normally paid continuously for more than 1 year (inclusive), and the newly opened employees are normally paid continuously for more than 6 months (inclusive);

(3) the actual demolition and resettlement behavior;

(4) Agree to use the total property value of the resettlement house purchased by the loan as collateral;

(5) Having stable economic income, good personal credit and sufficient ability to repay the principal and interest of the loan;

(6) The borrower and his wife have no outstanding housing provident fund loans.

Legal basis:

Interim Measures for the Administration of Personal Loans

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state.

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record.

(6) Other conditions required by the lender.

Article 14 The loan investigation includes but is not limited to the following contents:

(1) Basic information of the borrower;

(2) The income of the borrower;

(3) the purpose of the loan;

(4) The source, ability and method of repayment of the borrower;

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.