No title deed can not handle the mortgage, but the developer to get the pre-sale permit if you can in the case of no title deed for mortgage loan procedures, such as title deeds down in the mortgage.
If you want to apply for a mortgage, you must wait for the title deed to come down before applying for a loan, otherwise the bank is not accepted.
Mortgage: the need for title deeds down, and the house has no mortgage information, then you can apply to the bank for a mortgage, mortgage can generally be brought to the appraisal of the price of 70% of the information needed: ID card, household registration, proof of marriage, proof of income, the bank current, title deeds, state land certificates can be applied for.
Expanded information:
Methods for Mortgage Management
In order to better support the development of the "Three Rural Areas" and the construction of the new socialist countryside, we will increase the types of loans and ensure the safety of loans. Maintain the legitimate rights and interests of both borrowers and lenders, according to the relevant provisions of the State, the formulation of these measures.
Article I Mortgage is the borrower to borrow from the company, willing to own or third-party property as a guarantee of a loan. If the borrower fails to return the loan principal and interest when due, the company has the right to dispose of its collateral as repayment of the loan principal and interest and related expenses.
Article 2: The mortgage loan shall be made in accordance with the relevant provisions of the state, and the mortgage loan contract shall be signed on the basis of equality and negotiation.
Article 3 Scope of collateral: fixed assets (such as houses and other buildings on the ground, means of transportation, machinery and equipment) of value and use in accordance with the provisions of the law; materials or property that can be circulated and transferred.
Baidu Encyclopedia - Mortgage