Can the relocated house be mortgaged?

If there is no real estate license, it is impossible. If you have a real estate license and a land use right certificate, you should be able to apply for a mortgage loan in theory. However, from the practical point of view, after the borrower defaults on the loan, the borrower often objects to the auction disposal of the mortgaged house by the creditor bank in a rogue way, which makes the bank feel quite embarrassed. Therefore, the borrower has more than two sets of houses, or it is more likely to succeed in handling mortgage loans with commercial facade houses.

The relocated house is the house paid by the developer to the relocated households during land acquisition; Commercial housing is a house sold by developers themselves. There are basically relocated houses in every building, and the price of relocated houses is generally lower than that of commercial houses. Relocation houses, like commercial houses, have real estate licenses, and relocation houses with real estate licenses can be listed and traded. If there is no real estate license, the relocated households hold the purchase contract and cannot be listed and traded.

Under the condition of planned economy, the proposed housing standard is 56 square meters for two bedrooms and 80 square meters for three bedrooms. However, with the development of economy, these regulations have long been inconsistent with the development of the market, so this standard is no longer implemented. Reconstruction of housing, in accordance with the original housing area standards for resettlement. If the construction area of the relocated house is the same as the original construction area, after deducting the length of service, adjustment factors, preferential treatment for teachers and other factors, it shall be calculated according to the cost price of housing reform in that year. Jinzhong window relocation housing construction area exceeds the original construction area, but per capita does not exceed 15 square meters, the excess part is calculated according to the cost price of housing reform, without deducting factors such as length of service. If the construction area of the relocated house exceeds per capita 15 square meter, the excess part shall be purchased at the local affordable housing price. Households with housing difficulties whose per capita construction area is less than 5 square meters shall be resettled according to the standard of per capita construction area of 5 square meters.