According to the provisions of the Civil Code, all houses owned by the mortgagor can be mortgaged. Housing ownership is to be registered, and small property houses cannot be registered, so they cannot be mortgaged. Houses that can be listed, such as full house, installment house, apartment, five-year affordable housing, five-year relocation house, purchase of public houses with capital, central delivery with listing certificate, school delivery, etc. , you can apply for mortgage bank loans. Mortgage bank loans are generally released within 20-30 working days. Customers who are in a hurry to use money can lend money first and then approve it as long as the procedures are complete. Housing mortgage bank: Face-to-face face-to-face face-to-face face-to-face face-to-face face-to-face face-to-face face face-to-face face face-to-face face face-to-face face face-to-face face face-to-face face face-to-face face face-to-face face face-to-face face face face-to-face face face face-to-face face face face-to-face face face face-to-face face face-to-face face face face-to-face face face-to face-face face-face-to face-face face-face-to face-face-face face-face-to face-face-face with the house in the outer suburbs can apply In addition to houses that can be used for bank loans, houses with small property rights, houses with the right to use, bungalows in the east and west cities, houses by stages, mortgage houses, houses without houses, houses for the elderly, unilateral loans and other difficult loans can be handled. The second mortgage of houses mainly refers to the second mortgage of houses paid in installments and mortgaged houses by bank loans, and the proceeds can be used for circular operation and circular credit for 30 years.

Legal objectivity:

People's Republic of China (PRC) Civil Code

Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.

Article 395 The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together. 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.