Legal analysis: According to the relevant national policies and regulations, those who have purchased resettlement houses for five years and have completely obtained the property right certificate can apply for bank mortgage loan business. If you want to apply for a loan with a resettlement house as collateral, the first condition is that the resettlement house has obtained a real estate license.

Legal basis: Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 669 of the Civil Code: When concluding a loan contract, the borrower shall, according to the requirements of the lender, provide the true information about the business activities and financial situation related to the loan.