The following properties can be used as collateral for housing loans: 1. Real estate and other fixtures that the borrower has the right to control independently; If the house is jointly owned by * * *, after obtaining the consent certificate of * * *, the mortgage can be set according to the borrower's total share of property rights; If you buy an existing house, you can set the mortgage right with the property title certificate and insurance policy of the purchased property; If you buy an auction house, you can use the purchase contract to set the mortgage. 2. Various securities (including certificates of deposit) and other properties owned by borrowers or guarantors recognized by lenders. The following properties cannot be used as collateral: 1. Land ownership; Two, the ownership and use right of unknown or controversial property; Three, can not be enforced or processed; 4. The mortgage has been set; 5. Being sealed up, detained under supervision or taking other preservation measures or compulsory measures according to law; 6. Other properties that may not be mortgaged or pledged according to law. Article 9 of relevant laws and regulations Where real estate is used as collateral, the mortgagor and the mortgagee must sign a written mortgage contract and go through the mortgage registration formalities at the local real estate management department before lending money; When pledging, the pledgor and the pledgee must sign a written pledge contract. If the lender thinks notarization is necessary, the borrower shall go through the notarization formalities at the notary office. The notarization and registration fees shall be borne by the borrower. Article 11 The value of mortgaged real estate can be evaluated by the lender or its recognized real estate appraisal institution and confirmed by the mortgagee. The appraisal fee shall be borne by the borrower. Article 12 Where real estate is used as collateral, the borrower shall go through the insurance formalities at the insurance company according to the specified types of insurance before signing the loan contract, or the lender shall go through the relevant insurance formalities on his behalf; The insured amount shall not be less than the total loan principal and interest; The insurance period should be at least half a year longer than the borrowing tide; The insurance policy shall not contain any restrictive clauses that are detrimental to the rights and interests of the lender; All expenses required for insurance shall be borne by the borrower; During the mortgage period, the insurance policy shall be kept by the lender. Thirteenth real estate as collateral, its real estate license and insurance certificate shall be kept by the lender. The borrower must properly keep the mortgaged real estate during the mortgage period, be responsible for repairing, maintaining and ensuring its integrity, and accept the supervision and inspection of the lender at any time. Seventeenth mortgage or pledge parties should sign a mortgage contract or pledge contract, and attach a list of collateral or pledge. The mortgage contract shall come into effect from the date of registration, and the pledge contract shall come into effect when the pledge is delivered to the pledgee, and shall be terminated when the borrower pays off all the loan principal and interest. After the mortgage or pledge is released, the lender returns the mortgage or pledge to the borrower. Article 18 On the basis of the mortgage or pledge guarantee provided by the borrower, the individual housing secured loan must be provided with an irrevocable full and effective guarantee by a third party recognized by the lender. If the guarantor is a legal person, he must have the ability to repay all the principal and interest of the loan and open an account in China Industrial and Commercial Bank. In general, the guarantor should be the borrower's unit; If the guarantor is a natural person, he shall have a fixed source of income and sufficient compensation capacity, and must deposit a certain amount of money in the loan bank.

Legal objectivity:

Article 34 of the Guarantee Law of People's Republic of China (PRC) can be mortgaged: (1) houses and other things fixed on the ground owned by the mortgagor; (2) Machines, means of transport and other property owned by the mortgagor; (three) the right to use state-owned land, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law; (4) State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law; (five) the land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer; (six) other property that can be mortgaged according to law. The mortgagor may mortgage the property listed in the preceding paragraph together.