Yes, as long as it is easy to keep, wear and tear and sell, you can apply for a mortgage loan from the bank. Such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Types of property that cannot be mortgaged.

The first category: properties with outstanding loans; Such a property is generally mortgaged or in a state of mortgage, and the bank already owns other rights of the property. In the process of mortgage, it cannot apply for a mortgage loan again.

Type 2: partially purchased public houses; This is a purchased public house, and it is impossible to provide a purchase contract or purchase agreement; The other is the central delivery room that cannot provide the listing certificate of the central delivery room.

The third category: affordable housing for less than five years; Refers to the relocation house managed by affordable housing, or purely affordable housing, which is not allowed to be listed and traded for less than 5 years, so it is not necessary to make mortgage loans.

Type 4: Small property houses without property right certificates. This kind of real estate can't be listed and traded, can't be mortgaged to the Construction Committee, and can't apply for mortgage consumer loans.

Information to be provided by the Mortgagor:

1. A written application of the mortgagor agreeing to mortgage and relevant certificates;

2. Qualification certificate of the mortgagor;

3. Proof of ownership (or disposition right) of the mortgaged property;

4. Basic information of the collateral;

5. Other relevant materials.

Precautions:

When refinancing, all loan costs must be considered, including not only interest, but also handling fees and points.

If you want to save money, you can ask for no-cost refinancing. Most of the cost of this method has been included in the loan.

Due to the fierce competition in the mortgage market, today's lenders should be the first choice for refinancing. In order not to lose business, the lender will provide loans on the most favorable terms in the market.

If you don't think the interest rate will fall, you might as well lock in the loan interest rate. Lock in interest rates and protect your own interests when interest rates rise. However, it should be noted that no matter whether it is a downward floating interest rate loan or a locked interest rate loan, a handling fee must be paid.