First, can the resettlement house be mortgaged?

Resettlement houses can be mortgaged. The land nature of resettlement houses belongs to allocation. If you don't have a title certificate, you can get a loan. If the resettlement house is a policy service, the bank will not accept it as collateral, so it cannot make a mortgage loan.

2. Resettlement houses are big property rights, and they can borrow from banks. There is no problem with provident fund loans.

3. The mortgage loan for resettlement houses also needs certain conditions: a natural person who has reached the age of 18 and has full capacity for civil conduct; Have a stable career and income, good credit and repayment ability; Other conditions stipulated by the bank.

Second, can the sale of resettlement houses be legal?

If the resettlement house is built on the leased land and has a real estate license, the sale of the house is legal. Resettlement housing is a kind of housing replacement compensation for the relocated households. If you have a real estate license, you can change your registration and buy and sell freely.

Article 209 of the Civil Code of People's Republic of China (PRC)

The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.

Natural resources owned by the state according to law may not be registered.

Three, the resettlement housing mortgage loan processing process

The mortgage loan for resettlement houses is handled as follows:

1. The borrower needs to prepare relevant materials, including real estate license, personal identity certificate, income certificate, residence certificate, etc.

2. After the information is ready, you can apply for a loan from a lending institution, which will review it.

3. After the approval, the bank will sign a loan contract with the borrower, and after signing, you can wait for the loan.

Legal objectivity:

According to Article 47 of the Real Estate Management Law, real estate mortgage refers to the act that the mortgagor provides the mortgagee with debt performance guarantee with his legal real estate without transferring possession. When the debtor fails to perform his debts, the mortgagee has the right to be paid in priority with the proceeds from auction of mortgaged real estate according to law.