Whether a privately built house can be mortgaged depends on its land nature. And the original owner has a real estate license, which does not prove that this house is state-owned land.

1 Its house land is state-owned land.

If the seller purchases land through the land department and issues a land transfer fee, he will obtain a state-owned land certificate; Moreover, before the construction, those who have been approved by the urban planning department all have building planning permits and construction permits.

In this case, after buying a house, you can apply for a real estate license.

Loans should follow the second-hand housing loan process. Usually need the loan information is:

Personal credit report of husband and wife

Housing demolition certificate issued by the local housing management department

Property ownership certificate and deed tax ticket (original and copy)

assessment report

Identity cards of both husband and wife

Marriage certificate or the same household registration book

Bank card (according to the requirements of each bank)

Other conditions required by the bank (deposit or wealth management)

Non-state-owned land: land allocated by finance and rural collective land.

Many homeowners will take advantage of the policy to build houses on non-state-owned land. At this time, its construction is rarely approved by the urban planning department.

But this does not conflict with the real estate license, because as long as the house you live in meets the regulations of the housing management department, it is still very simple to apply for the real estate license.

Private hands to buy a house, you can go to the bank mortgage?

Buying a house in private hands, as long as the other party's real estate documents are complete, you can apply for a mortgage loan in the bank.

According to Article 6 of the Measures for the Administration of Individual Housing Loans, the borrower shall provide the lender with the following information:

I. Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);

2. Proof of the stable income of the borrower's family;

Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;

Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department;

6. Other documents or materials required by the lender.

Extended data:

"Measures for the Administration of Individual Housing Loans" Article 16 If the borrower takes the purchased owner-occupied house as the loan collateral, it must take the full value of the house as the loan collateral.

Article 17 Where real estate is mortgaged, the mortgagor and the mortgagee shall sign a written mortgage contract and go through the mortgage registration formalities at the department designated by the local people's government at or above the county level before the loan. The relevant contents of the mortgage contract shall be determined in accordance with the provisions of Article 39 of the Guarantee Law of People's Republic of China (PRC).