The relocated house can be mortgaged and must meet the following conditions: 1. Must have a real estate license. 2. The relocation agreement must be presented to prove that the relocation house is not restricted by the policy. 3. Five certificates are complete, including state-owned land use certificate, construction land planning permit, construction project planning permit, construction permit and pre-sale permit of commercial housing.
What is the difference between a relocated house and a commercial house?
1, the transaction mode is different.
The land nature of commercial housing is transfer, which is a house built according to law after the developer takes the land from the state. Commercial housing can be directly listed and traded in line with the local city's sales restriction policy. There are two types of relocation houses. One is that the nature of ordinary transfer is the same as that of commercial housing, but most of them are allocated, so houses cannot be traded directly.
2. The difficulty of applying for a loan is different.
If you buy a house with a loan, you can buy a house with a loan as long as it meets the bank regulations. However, it is impossible to move back to the house. If the house and land are allocated, then direct loans cannot be made. In addition, we may face the situation that the mortgaged house needs to be cashed out. At this time, it will be less difficult to apply for commercial housing mortgage loans.
3. The price is different
When people buy a house, they will pay great attention to the price of the house, and the prices of commercial houses and relocated houses are also different. The price of commercial housing is higher, which is much more expensive than the relocated house. The number of the same commercial housing is much more than that of the relocated housing, so everyone has a great choice.
4. The difficulty of trading again is different.
If you choose a commercial house with complete five certificates, it will be easier to apply for a property right certificate, which means that the second trade fair will be simpler. However, the relocated houses affected by the policy often need various restrictions stipulated by the government, so it is difficult to trade again.
Let me sum up: the above is about whether the relocated house can be mortgaged, and I hope it will help everyone! There is a big difference between relocated houses and commercial houses. It is recommended to buy commercial housing.