Legal analysis: Demolition and resettlement houses cannot be mortgaged by banks. The real estate license is the legal certificate for the registration of house property rights. Only the demolition and resettlement housing contract, no property registration, can not be mortgaged in the bank. Resettlement housing is a house built by administrative organs to resettle the residents who have been demolished when carrying out urban road construction and other public facilities construction projects. According to the law, the transfer transaction of resettlement houses must be carried out after obtaining the real estate license of resettlement houses.

Legal basis: Article 395 of the Civil Law of People's Republic of China (PRC), the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) 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.