Relocated houses can be loaned in the bank, provided that the real estate license is obtained. Only the relocation permit cannot be used for loans. If the five certificates of the purchased relocated house are complete, you can borrow money. Relocation house is the house paid by the developer to the relocated households during land acquisition. There are basically relocated houses in every building, and the price of relocated houses is generally lower than that of commercial houses. Relocation houses, like commercial houses, have real estate licenses.

Mortgage loan process for relocated houses:

1. A natural person with full capacity for civil conduct, with good credit information, stable income and the ability to repay the principal and interest of the loan on schedule.

2. The loan amount can be up to 65,438+000% of the house value in case of personal housing mortgage, and up to 60% of the house value in case of personal commercial housing mortgage.

3. If the loan term is used for car purchase, decoration, education, mass consumption and other purposes, the loan term can be up to 20 years.

4. The loan interest rate shall be subject to the benchmark loan interest rate stipulated by the People's Bank of China or float appropriately.

5. Required information: personal identification, household registration book, proof of residential address and proof of marital status. Personal income certificate or asset status certificate. Proof of property right of mortgaged house. If the applicant takes other people's property as collateral, he must also provide the identity card of the property owner, proof of marital status and written proof of consent to mortgage.

6. Loan process The borrower applies and submits relevant materials.