If you can't get a loan without a house title certificate, you can use it. If the resettlement house is a policy service, it is estimated that the bank will not accept it as a mortgage, so you can't make a mortgage loan. Some resettlement houses have the same property rights as ordinary commercial houses, and this house can be mortgaged. Generally speaking, however, demolition companies will post demolition notices when demolishing houses, some of which will be reported by the media, and banks are also very concerned about the demolition notices. If the bank receives the news of the demolition at the first time, it will contact the borrower, the demolition office and the mortgage registration department to implement the related matters of the demolition of the mortgaged property, and will also register the demolition as the mortgagee.

Second, the mortgagor can't get the compensation for demolition before the mortgage is lifted. In this case, it can be solved in the following ways:

1, repay the loan principal and interest, cancel the mortgage registration, and then handle the relevant demolition registration matters;

2. Replace the mortgaged property with other property recognized by the bank;

3 with the demolition compensation to pay off the loan principal and interest.

Therefore, the borrower must consult in detail in advance before handling the real estate mortgage loan, and then make arrangements for applying for the loan according to his actual situation.