1. Relocated houses can apply for loans, but not all relocated houses have the opportunity to apply for mortgage loans. If you want to mortgage a loan, the relocated house must have a real estate license, and the property must have five certificates. The policy supports listing transactions. Only the relocation agreement is not allowed to apply for loans, and it can only distinguish whether the house has policy restrictions, but it is not allowed to be listed, traded and transferred, so the bank will not grant loans.

2. Legal basis: Article 675th of the Civil Code of People's Republic of China (PRC).

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.

Article 669

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.

Second, does the relocated house have a real estate license?

There may be two kinds of property rights produced by relocated houses:

1. If it has not been approved by the formal state procedures, it is impossible to obtain the property with the title certificate in the future. This kind of property right, commonly known as rural property right, belongs to illegal land use and is also an illegal construction act that is being cracked down now. Belonging to small property rights, it is not recognized by the formal state.

2. It is necessary to go through formal land use approval procedures, such as renovation of dilapidated houses, renovation of green isolation belts and renovation of old villages. You can handle formal property rights in the future. Not completely restricted by the affordable housing system, you can buy and sell second-hand houses after obtaining the real estate license, but you need to pay the land transfer fee of 3% of the transaction price, which is equivalent to the nature of commercial houses after payment.