First, can the relocated house be mortgaged for less than three years?

Relocated houses can be mortgaged for less than three years, and only the mortgagor needs to obtain the full property rights of the relocated houses, even if the relocated houses have not lived for three years, unless otherwise stipulated by law.

Second, what conditions should be met for housing mortgage loan?

Housing mortgage loans need to meet the following conditions:

1. Has a permanent residence in the town or a valid residence status.

2 have a stable professional income, good credit, and the ability to repay the principal and interest of the loan.

3. There is a purchase contract or agreement.

4. If you don't enjoy the house purchase subsidy, you should withdraw not less than 30% of the total house price as the down payment; Enjoy the purchase subsidy, the individual will bear 30% as the purchase down payment.

5. There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as employment guarantors.

6. Other conditions stipulated by the lender.

Third, how to handle the mortgage loan?

The ways to mortgage the house are as follows:

1. The purpose, amount and duration of the loan proposed by the borrower to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Prepare loan information: If it is an individual housing mortgage loan, you need to provide your own and your spouse's ID card, household registration book, income certificate, corresponding personal consumption contract, marital status certificate and house ownership certificate.

3. Housing evaluation: After the bank submits the above materials, it will conduct on-the-spot investigation and evaluation on the mortgaged property according to the submitted materials.

4. Loan approval: submit all loan approval materials, evaluation reports or survey opinions to the bank for approval.

5. Notarization of loan contract: The borrower's first-level mortgagor fills in the loan contract and all relevant documents, signs it and prints it, and the notary will notarize it.

6. Mortgage registration: The bank shall go to Chaquan for mortgage registration with the house ownership certificate and notarized loan contract.