The land certificate you accept in your hand cannot be mortgaged.

2. Can a bungalow be mortgaged?

Of course. It is effective to use the house on the homestead as collateral. However, the effect of mortgage can not reach the right to use the homestead within the scope of housing occupation. Once the debtor can't pay off the debt, the creditor can only give priority to the building materials of the mortgaged house as movable property. Therefore, other guarantees can be provided. Under normal circumstances, the houses on the homestead should not be used as collateral. Article 32 of the Measures for the Administration of Urban Real Estate Mortgage shall submit the following documents to the registration authority for the registration of real estate mortgage: (1) the identity certificate or legal person qualification certificate of the mortgagor; (2) An application for mortgage registration; (3) mortgage contract; (4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted; (5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority.

3. Can a bungalow be used as a mortgage?

Rural bungalows cannot be mortgaged.