If you have full property rights of housing reform, you can mortgage the loan. However, the following requirements must be met:

(1) The real estate used for mortgage and the lending institution must be located in the same city, and personal mortgage loans do not accept collateral from different places;

(2) Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;

(three) the property right certificate has been completed, the property right is clear, it can be listed and circulated, and the mortgage registration is handled according to law, and there is no adverse situation such as property right disputes;

(four) strong mobility, good real estate structure, water, electricity, environmental protection, transportation, urban construction, property management and other supporting facilities and services, no disputes and problems, not within the scope of the government's planned demolition;

(5) The house age is generally not more than 20 years, and the loan/credit term+house age is not more than 40 years in principle; The house area should not be too small, generally it needs more than 50_, and of course it depends on the regulations of major banks.

Note: Most banks have offered such bank loans, such as China Bank, China Everbright Bank, China Merchants Bank, Shenzhen Development Bank and Industrial and Commercial Bank. You can consult the above banks.

2. Housing reform mortgage loan process

(1) The purpose, amount, term and time of the loan proposed by the borrower.

(2) Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required. Including: my spouse's ID card, household registration book, income certificate, personal consumption contract, marital status certificate, house ownership certificate, owner's and spouse's ID card, household registration book and marital status certificate.

(3) Appraisal of house-viewing: relevant institutions conduct on-the-spot investigation, appraisal (survey) and evaluation of mortgaged houses.

(4) Loan approval: submit all loan application materials together with the evaluation report or investigation opinions to the bank for approval.

(5) Notarization of loan contract: After the borrower and the mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary.

(6) Mortgage registration procedures: The bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract.

(7) Opening an account and lending: the borrower opens a repayment account and the bank lends money to this account.

Note: In principle, only commercial housing, housing reform housing and anjufang can be used as collateral.