Can be mortgaged.

You can get a house check loan, and the requirements for real estate mortgage loans on real estate: the property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market without any other mortgage; the age of the house (calculated from the date of completion of the house) and the loan term cannot exceed 40 years.

If you are doing a credit loan, you can get the loan as long as there are no big problems with your credit report. However, if you are doing a mortgage loan, you must mortgage the original real estate certificate, and both husband and wife need to Only by signing. The mortgaged house is not included in the local urban reconstruction and demolition plan, and has a real estate certificate and land certificate issued by the real estate department and the land management department. The requirements for the borrower of the real estate mortgage loan: have a legitimate occupation and a stable source of income, and have the ability to repay the loan on schedule Ability to pay principal and interest; no illegal behavior or bad credit record.