No. Applying for a mortgage loan requires that the mortgaged property have a property ownership certificate, and small property houses do not meet this condition, so they cannot apply for a mortgage loan. Small-property houses refer to large-property houses, specifically houses built by farmers in cities on collective land. Most of them are used for personal residence, and their property rights certificates are issued by the township government, so they are also called "township property houses".

Conditions for real estate mortgage loans

1. Requirements for loan purposes:

Banks’ requirements for house mortgage loans mainly fall into the following two categories: one is Consumer loans are personal business loans.

The so-called personal consumption loans are loans issued by banking institutions to individual consumers to purchase durable consumer goods or pay for other consumption, such as housing, cars, furniture, color TVs, refrigerators, computers, etc. Personal business loans, as the name suggests, use your own property as collateral to obtain bank financing for commercial purposes.

2. Requirements for houses:

1) The house must be no more than 15 years old;

2) The location is local;

3) The nature of the property meets the relevant conditions of the lending institution;

4) There must be no minors or seniors over 60 years old on the property ownership certificate;

5) The mortgage has been settled You can only apply after clearing your mortgage.

3. Requirements for the borrower:

1) The borrower is between 18 and 60 years old; has the nationality of the People’s Republic of China, full capacity for civil conduct and Legal and valid identity documents;

2) The borrower and his spouse meet the personal credit record conditions stipulated by the bank;

3) The borrower has a fixed residence or a stable workplace;

4) The borrower has a stable income and the ability to repay credit on time;

5) The borrower’s loan purpose is reasonable and clear;

6) Meet other requirements of the bank.