Nowadays, when many people are in a hurry to use money, they will choose to go to the bank to apply for a loan. Property mortgage is a noisy loan method for most people, but not all types of houses can apply for mortgage loans, so can demolition houses be mortgaged? Which houses cannot be mortgaged? Let's take a look with Bian Xiao!

First, can the demolition house be mortgaged?

Whether the demolished house can be mortgaged depends on whether the demolished house has obtained the land use right certificate and the house ownership certificate. Under normal circumstances, after obtaining the land use right certificate and the house ownership certificate, the resettlement person can go through the mortgage loan formalities, but it takes more than the time stipulated by local policies to transfer the ownership and mortgage.

Second, which houses can't handle real estate mortgage loans?

1. If this house is still in the repayment state, it means that you don't own this house yet, then the mortgage right of this house belongs to the bank at present, which means that the property right is temporarily handed over to the bank, and the lender owns the right to use this house, but does not own the security interest of this house, so it is impossible to apply for mortgage loan with this house.

2. Most banks have strict requirements on mortgaged properties when accepting mortgage loan business. First, the area should be more than 50 square meters and the age of the house should not exceed 20 years. If the house does not meet the above standards, it will be difficult to mortgage the property.

3. It is impossible to apply for real estate mortgage loan for small property houses, because there is no property right certificate for small property houses, and only the house sales contract signed with the seller has not been recognized by the housing management unit. In addition, if the real estate license has been obtained at the market price for less than five years, affordable housing cannot apply for real estate mortgage loans, let alone be listed and traded.

Summary: The related content of whether the house can be mortgaged is introduced here for everyone, hoping to help friends in need. In short, before going through the formalities of real estate mortgage loan, you must understand the relevant local regulations, or you can go to the bank to consult the relevant staff in person.