Is it safe to use a house as a mortgage? 1. Whether it is safe to use a house as a mortgage depends on the specific situation. For borrowers, it is necessary to find qualified lending institutions, such as commercial banks. For the lender, the house mortgage must be registered, and the mortgage right will take effect after the mortgage registration. 2. Legal provisions: Article 395 of the Civil Code of People's Republic of China (PRC)? Scope of mortgaged property The following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together. Article 402? Where the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5 is mortgaged, the registration of real estate mortgage shall be handled. The mortgage is established at the time of registration. Is green automobile mortgage safe? The green car is a motor vehicle registration certificate, which is equivalent to the household registration book of the vehicle. Because it is a green shell, it is called a "green book". So, is green automobile mortgage safe? Whether the green car mortgage is safe or not depends mainly on where you mortgage the green car. If you apply for a loan in a bank or a formal lending institution, then the green car is naturally mortgaged in the bank and lending institution. It's basically safe, and there will be no problem. But now there are more and more private loans, and many lawless elements have mixed in. If you accidentally mortgage the Green Paper to a fraud agency, those criminals are likely to steal your information to do some illegal acts or cheat you. This is a big security risk. Everyone should also keep their eyes open when lending to avoid falling into the trap. It is better to apply for loans from banks and formal large-scale lending institutions, which is safer and more secure. If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If there is any abnormality in your online hacker data, you can find that Xiaoqi Credit Information can get your own big data and credit status, various index data, and you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information. Extended information: How much is the green mortgage? Whether you can apply for your favorite loan amount when you go to the car mortgage depends on the mortgaged car. In general, the higher the value of the vehicle, the higher the loan amount you can apply for. In addition to the value of the car itself, the service life, mileage and whether it has been hit can all affect the final credit line. If you apply for a car mortgage in a bank, you can generally apply for a loan amount of about 50% of the vehicle evaluation price. If you apply for auto mortgage in an auto financing company, you can generally apply for a loan amount of about 70% of the assessed price of the vehicle. To apply for a car mortgage on the mobile phone small loan software, you can generally apply for a loan amount of 80%-90% of the vehicle evaluation price. However, the loan interest rate of mobile phone small loans is usually higher than that of banks and auto financing companies. Of course, your personal qualifications can also determine the loan amount you finally apply for. If your personal credit rating is high, the amount approved by financial institutions is high. If there are some bad overdue records on personal credit information, even if the car is valuable, the credit line applied for may not be within the ideal value.