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房屋抵押可以抵押给直系亲属吗
释义
法律分析:不可以,需要房主本人办理贷款。 房产抵押贷款的条件:年龄为18-65周岁的自然人;有正当职业和稳定的收入来源,具有按期偿还贷款本息的能力;没有违法行为; 能够提供银行认可的有效权利质押担保或能以合法有效的房产作抵押担保或具有代偿能力的第三方保证。
法律依据:《中华人民共和国民法典》 第三百九十七条 以建筑物抵押的,该建筑物占用范围内的建设用地使用权一并抵押。以建设用地使用权抵押的,该土地上的建筑物一并抵押。抵押人未依据前款规定一并抵押的,未抵押的财产视为一并抵押。
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