Generally, it is troublesome to use real estate as mortgage loan, and many banks do not carry out this business. The basic procedure is as follows:

1. Asset appraisal, the bank will entrust a professional department to make an appraisal and issue a report, notarizing that your property is completely owned and has not been mortgaged, lent, leased or sold, and you are the real owner.

2, loan estimate: 43 square meters if it is a new house in recent years, in the center of Hefei, the second-hand unit price may be around 4,000; Ordinary banks can only lend less than half of the value, that is, less than 80 thousand; If it is an old house, there are even fewer that can be lent out;

3. Old houses with a long service life are not accepted by banks, such as 15-20 years old houses;

4. I suggest you try the pawnshop.