1, the house can be mortgaged However, the land nature of the house must conform to the state-owned land policy, and it is necessary to ensure that the real estate license and developer procedures are complete. Because the loan must be registered as mortgage, the real estate license is necessary, but with mortgage, the bank's evaluation will be lower than other types of house prices.

2. Legal basis: Article 388 of the Civil Code of People's Republic of China (PRC).

To establish a security interest, a security contract shall be concluded in accordance with the provisions of this Law and other laws. Guarantee contracts include mortgage contracts, pledge contracts and other contracts with guarantee functions. The guarantee contract is a subsidiary contract of the main creditor's rights and debts contract. If the principal creditor's rights and debts contract is invalid, the guarantee contract is invalid, unless otherwise stipulated by law.

If the debtor, guarantor and creditor are at fault after the guaranty contract is confirmed to be invalid, they shall bear corresponding civil liabilities according to their faults.

Second, how to handle mortgage loans

1. The applicant provides information to the lending institution;

2. Investigate the applicant and estimate the value of the collateral;

3. The lending institution initially sets the loan amount;

4. Handling entrustment notarization and loan notarization;

5. The lending institution accepts the relevant documents of the applicant;

6. Go through the mortgage registration formalities, and the mortgage institution lends money.