1. Can I get a loan for the relocated house?
1. The relocated house on the property certificate cannot be mortgaged; The relocated house with small property right certificate can only be mortgaged after three years. Because relocated houses are generally divided into "property right certificate" and "small property right certificate", and "property right certificate" is the total property right certificate held by real estate developers, which is owned by real estate developers, and "small property right certificate" is held by housing owners and generally owned by individuals.
2. It should be noted that the property rights of the relocated houses must be clear and meet the conditions stipulated by the state that they can be traded in the real estate market and circulated in the real estate market.
2. What materials should be provided for the relocation loan?
1. The materials to be provided for the relocation housing loan include: household registration book, ID card, marriage certificate, income certificate, real estate appraisal report, relevant information stipulated by the bank, proof of loan use, etc.
2. The repayment method of real estate mortgage loan is: equal principal and interest repayment and equal principal repayment. As long as you know the relevant contents of real estate loans, you can get loans quickly.
3. It should be noted that the amount of real estate mortgage loan must be determined according to your actual use, and the loan amount should not exceed 60% of the real estate assessment price. The loan interest rate of the first suite is generally based on the benchmark interest rate of the central bank, while the loan interest rate of the second suite will rise according to your qualifications.
Editor's summary: The above introduces whether the relocated house can be loaned and what materials need to be provided for the relocated house loan. I hope I can give you some help!