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Can I mortgage the house?
As long as the owner of the house is himself, it is best to go through the transfer procedures, or the property rights are clear and meet the relevant requirements. You can take out a mortgage.

Loan needs are divided into four categories:

Personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

Provide proof of stable income source: bank flow sheet, labor contract, etc.

Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other related certificates;

Other information required by the bank.