You can't. Generally speaking, auction houses cannot lend money. Bidders are generally required to pay the full amount within one week after the auction is successful. However, if the individual is short of funds, he can borrow money in advance and transfer the auction money to the account designated by the court within the specified time. After handling the real estate license, they can take the real estate license as collateral and apply for a mortgage loan from the bank. After the loan is approved, they can pay off the previous loan. Under normal circumstances, the judicial auction to verify the specific circumstances of the house. If it involves certain disputes, try not to buy it to avoid causing some trouble. At the same time, there are certain risks in buying a house by judicial auction. Consult a lawyer before buying, for example, entrust a lawyer to investigate the detailed information of the house through judicial auction, and whether there are unpaid utilities and property fees. In addition, when conducting a unified inspection of the house, we should go to the site to conduct a careful investigation and understand the details of the house.
Legal basis:
Article 394 of the Civil Code of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
Derivative problem:
How to use the house to mortgage the loan in the bank 1, and submit the loan application to the bank: the content should explain the purpose, amount and term of the loan. 2. Submit loan information: If an individual applies for a house mortgage loan, he/she needs to provide the following information: the borrower's ID card, running water in the past six months, work certificate, credit report, house property certificate, etc. If an enterprise needs to mortgage the real estate, the materials it should provide include: business license, articles of association, capital verification report, purchase and sale contract, running water of the last six months, annual financial statements of the previous year, financial statements of the last six months, and proof of assets. 3. Housing evaluation: After all the above materials are handed in, the bank will conduct on-the-spot investigation and evaluation of the mortgaged property. 4. Loan approval: The housing appraisal company submits the appraisal report or opinion to the bank for approval. 5. Signing a loan contract: The borrower signs a loan contract with the lending institution, and all relevant documents, signatures and handprints are notarized by a notary. 6. Mortgage registration procedures: The bank shall go through the mortgage registration procedures at the real estate office with the house ownership certificate and notarized loan contract. 7. Bank lending: Due to different bank regulations, loans will be made to the cooperative merchant's account in the form of cash, punch card or remittance.