Of course, the newly bought house can be used as a mortgage. But taking commercial housing as an example, if the purchased commercial housing is under construction, it is impossible for the bank to approve the loan application. In particular, many developers often choose to mortgage commercial housing to banks because of the tight capital chain, and even use the houses sold to banks as mortgages for projects under construction. If the developer has financial difficulties and can't repay the loan in time, the bank will not be able to cancel the mortgage of the house, resulting in consumers being unable to handle the housing filing and property right certificate. In other words, although consumers have paid the developer for the house purchase, they may not own the house ownership in the legal sense, or even actually occupy the house. In addition, the law does not prohibit the mortgagor from legally transferring the collateral. Developers selling mortgaged houses under construction must meet two conditions: one is to inform the mortgagee and obtain his consent, and the other is to truthfully inform the buyer. If the developer fails to notify the bank or the buyer, the transfer will not count.

Second, is it feasible to buy a new house with a mortgage loan?

Yes, you can apply for a mortgage loan before buying a house, but you need a third-party account. However, the mortgage interest rate is generally higher than the interest rate in the mortgage interest rate. It is recommended to apply for a mortgage loan to buy a house directly. Mortgage loan purchase process:

1. If buyers want to get mortgage services, they should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. After confirming that the property you choose has bank mortgage support, the buyer should learn about the bank's provisions on mortgage loan support for the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form.

3. The bank receives the relevant legal documents of the mortgage application submitted by the buyers, and after examining and confirming that the buyers meet the mortgage loan conditions, it issues a loan consent notice or a mortgage loan commitment letter to the buyers. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and defines the rights and obligations such as the loan amount, term, interest rate and repayment method.

5. Property buyers, developers and banks shall go through mortgage registration and filing procedures with the real estate management department on the basis of the housing mortgage loan contract and the purchase contract. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. Before the loan principal and interest are paid off, the insurance policy shall be managed by the bank.

6. After signing the Housing Mortgage Loan Contract, the purchaser opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears of the bank and mortgage loan contract from the account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the Housing Mortgage Loan Contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

3. Can I get a mortgage loan for the house I just bought?

Article 35 The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property. If the value of the mortgaged property is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.

According to what you said, combined with relevant laws and regulations, the amount of your mortgage loan cannot be greater than the value of your house, that is, 80,000 yuan. For the relevant mortgage procedures, you should go to the local housing management department for mortgage registration first, and then go to the bank for mortgage loan. I suggest you consult the local housing management department specifically.

Fourth, can the newly bought house be used as a mortgage loan?

In principle, yes, some commercial banks provide this service, mainly depending on the intention of your lending bank. The definition of secondary mortgage refers to remortgage the mortgaged property and obtain a loan from a specific lender.

For example, suppose a property has been mortgaged in the bank and is still being repaid normally. In this case, if the owner applies for a mortgage loan again, there is no need to pay off the bank loan in advance. As long as he can pass the professional evaluation, he can re-mortgage according to the evaluation value.

The characteristics of secondary mortgage The characteristic of secondary mortgage is that you don't have to pay off the previous loan, but you can directly re-mortgage and get a loan again, saving time and many intermediate costs such as early repayment. For the second mortgage of real estate, banks have different requirements for real estate, and the year when the real estate was built and the area where it is located will have corresponding requirements, such as the real estate before XX.

Extended data:

Measures for the administration of mortgage loans:

In order to better support the development of agriculture, countryside and farmers, build a new socialist countryside, increase the types of loans and ensure the safety of loans. In order to safeguard the legitimate rights and interests of both borrowers and lenders, these measures are formulated in accordance with the relevant provisions of the state.

Article 1 Mortgage loan is a loan method that the borrower is willing to use his own property or the property of a third party as a guarantee when borrowing from the company. When the borrower fails to repay the loan principal and interest at maturity, the Company has the right to dispose of its collateral as repayment of the loan principal and interest and related expenses.

Article 2 To handle mortgage loans, a mortgage loan contract shall be signed on the basis of equal consultation in accordance with relevant state regulations.

Article 3 Scope of collateral: fixed assets (such as houses and other above-ground buildings, vehicles, machinery and equipment, etc.) with legal value and use value; Materials or property that can be circulated or transferred.

If the house purchased under the preferential policies of the state is mortgaged, the mortgage amount shall be limited to the share of the mortgagor's disposition and income; For an enterprise as a legal person with an operating period, the mortgage of its house shall not exceed the operating period.