Legal analysis: Relocated houses can be loaned, provided that the real estate license is obtained, and only the relocation certificate cannot be loaned.

Legal basis: Article 395 of the Civil Code of People's Republic of China (PRC). The following properties 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.