Of course it is possible. The specific amount you can borrow depends on the price of the house.

Real estate certificate mortgage loan refers to a credit method in which home buyers apply for a loan from a bank using real estate as collateral to obtain funds, and then repay the principal and interest to the bank in installments or in one lump sum. Real estate certificate mortgage loan is a way for house owners to use their real estate as collateral to borrow money from banks for consumption or to solve financial problems. The house owner can obtain a certain amount of funds to meet urgent needs without selling the house.

Conditions that the lender must meet:

First of all, a natural person with full civil capacity whose actual age on the loan maturity date is generally not more than 65 years old;

Secondly, you must have a fixed residence; have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time;

Thirdly, you must be willing and able to provide a real estate mortgage approved by the lender;

Fourth, the owner of the real estate property recognizes its borrowing and guarantee behaviors and is willing to assume relevant legal responsibilities.

Conditions that houses used for mortgage must meet:

(1) The property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and be able to enter the real estate market. Any other mortgage;

(2) The sum of the age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;

(3) The mortgaged house is not included in the list The local urban reconstruction and demolition plan, and the property certificate and land certificate issued by the real estate department and land management department;

It is necessary to remind everyone that the owner of the property used for mortgage can be the borrower himself, or If someone else uses a property owned by someone else as a mortgage, the mortgagor must issue a written commitment agreeing to the borrower's application for a loan using the property as collateral, and require the signatures of the mortgagor and his or her spouse or other person with the most rights to the property.

3. How to apply for a real estate certificate mortgage loan?

(1) The materials the borrower needs to provide are:

1. The borrower’s personal ID card, Household registration book, marriage certificate, and the borrower’s spouse’s ID card and household registration book;

2. The borrower’s personal income certificate (with the official seal of the company);

3. House ownership certificate, The original and a copy of the original house purchase agreement;

4. A notarial certificate from the owner of the house and the person with the right to agree to the mortgage and proof of the purpose of the loan.