1. Collective houses have property rights and real estate licenses, and they can also apply for loans. How to handle loans for collective real estate licenses? Do you want to apply for a mortgage with a group card, just like a mortgage?

2. If it is sold or transferred by the state and collectively owned, but the procedures are complicated, some local land or housing management departments do not accept the mortgage of allocated land, and collective assets mortgage needs collective voting;

3. If it is the collective land of agriculture, countryside and farmers, in some places, only the transferred land can accept mortgage.

Personal mortgage loans generally need to be handled through loan companies, because banks are third-party lenders! Required materials: ID card, household registration book, marriage certificate (divorce certificate and single certificate are required for divorce), company certification letter, bank account, real estate certificate of collateral (if there is a spare room).