House loans generally require a real estate certificate and a land certificate. Only other people's real estate certificates can be used, and banks may not grant loans. When applying someone else's real estate certificate, you need to pay attention to the following matters:\r\n1. According to relevant regulations, the owner of the mortgage can be the borrower himself or another person. If a property certificate owned by another person is used as a mortgage, the mortgagor must issue a written commitment agreeing to the borrower's application for a loan using the property as collateral, and require the signatures of the mortgagor and his or her spouse or other person with the most rights to the property. \r\n2. The owner of the property used for mortgage can be the borrower himself or someone else. If a property owned by another person is used as a mortgage, the mortgagor must issue a written consent for the borrower to use the property as a mortgage to apply for a loan. Commitment and require signatures of the mortgagor and his/her spouse or other persons with the most rights to the property. \r\n3. On the contrary, if you use the property ownership certificate of another person for a mortgage loan without the authorization of others, and forge the signature of another person to sign a "Mortgage Guarantee Loan Contract" with a financial institution, this mortgage guarantee contract should be deemed invalid. \r\nFor more information about whether someone else's real estate certificate can be used for a loan, enter: /ask/e251621615803473.html?zd to view more content