Some banks can apply for housing reform mortgage loans, but also consult local banks. There is no provision that transactions are not allowed within five years of housing reform. As long as the trading conditions stipulated by law are met, the listing of housing reform needs to meet the following conditions: the listing of housing reform includes five situations: buying and selling, exchange, gift, mortgage and lease. According to the standard price or cost price to pay the house price and obtain the real estate license, the housing reform can be mortgaged and rented.

Housing reform mortgage loan process:

With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a purchase contract or letter of intent; ?

Apply for a loan from a bank and submit relevant materials; ?

After conducting a credit investigation and examination on the borrower, the bank shall inform the borrower of the examination results. If the bank agrees to lend, it shall sign a contract with the borrower and guarantor, and sign a supplementary contract with the seller for building mortgage loan;

The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller; ?

After obtaining the land and house property right certificate, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank;

The borrower repays the loan on schedule.