Resettlement houses cannot be mortgaged by banks. The real estate license is the legal certificate for the registration of house property rights. Only the demolition and resettlement housing contract, no property registration, can not be mortgaged in the bank. Resettlement housing is a house built by administrative organs to resettle the residents who have been demolished when carrying out urban road construction and other public facilities construction projects. According to the law, the transfer transaction of resettlement houses must be carried out after obtaining the real estate license of resettlement houses.

The main contents of the demolition agreement:

(1) compensation method, monetary compensation amount and payment term for demolition;

(two) the area, standard and location of resettlement houses;

(three) the payment method and time limit for the price difference of the property right exchange house;

(four) relocation period, relocation transition mode and transition period;

(five) payment standards and payment methods for relocation subsidies, temporary resettlement subsidies or losses caused by suspension of production and business;

(6) Liability for breach of contract and dispute settlement methods;

(seven) other terms agreed by the parties.

As for the specific content of each demolition compensation and resettlement agreement, it should also be different according to the different ways of demolition compensation. In case of monetary compensation, the agreement shall mainly specify the amount of compensation and the relocation period; The implementation of property rights exchange, the agreement mainly stipulates the structure, area and location of resettlement housing, relocation period, transition mode and transition period.

Conditions for handling loans for demolition and resettlement houses

Have permanent residence or valid residence status in this city;

When applying for a loan, the normal continuous deposit of housing provident fund for more than one year (inclusive), and the normal continuous deposit of housing provident fund for new employees for more than six months (inclusive);

The actual behavior of demolition and resettlement houses;

Agree to use the full value of the resettlement housing property purchased by the loan as collateral;

Have a stable economic income, good personal credit and the ability to repay the principal and interest of loans;

The borrower and his wife have no outstanding housing provident fund loans.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 395 The following property that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.