Can commercial housing in Dongguan be mortgaged? Commercial housing in Dongguan can be mortgaged. Commercial housing can be mortgaged according to the applicant's financing needs in the course of operation, but it shall not violate the relevant laws and regulations of the state. Loans with commercial housing operating income and legal income of borrowers as repayment sources. Matters needing attention include, first of all, having a good credit status. The biggest difference between housing mortgage loan and other loans is that if the borrower defaults on the debt for a long time, or is forced to do nothing, the bank can only auction the mortgaged house to compensate for the economic losses. Therefore, when handling housing mortgage loans, banks will attach great importance to the qualifications of borrowers and often cooperate with people with good credit. If you are overdue for three times in a row or more than six times in two years, I'm afraid it will be difficult for you to apply.

Secondly, it depends on your ability to pay. When approving loans, banks should not only look at their credit status, but also look at their repayment ability. So, if you don't have a regular job, you can't provide work income, bank account, etc. Then you will be judged by the bank as "unable to repay the mortgage" and you are not eligible to apply for a housing mortgage loan.

The third depends on whether the property can be mortgaged in the name of others. Besides your own property, other people's property will also be confirmed by the bank. However, in order to prevent legal disputes, the mortgage must obtain the consent of the property owner and provide written documents to ensure that the bank will not suspect. If you mortgage the house to the owner without authorization, then the bank will not agree. Many people have just applied for a sum of money and want to pay it back in advance. However, according to the regulations, if you want to repay in advance, it must take more than one year, and you must pay interest for more than six months within one year.

The above is about whether the commercial housing in Dongguan can be mortgaged. Commercial housing in Dongguan can be mortgaged. In addition, when applying for a loan, the matters needing attention include the credit status and payment ability of the lender, so the loan should be made according to relevant laws and policies.