The house in Jianmin community should have no real estate license, only a purchase contract. However, some banks need real estate licenses for housing loans, and some banks don't, but the conditions may be stricter. Moreover, you can't just rely on the purchase contract loan, but also need other supplementary materials, such as personal identification, and the most important thing is the information of repayment ability, such as the bank's running water certificate and income certificate. As long as there is no problem, you can usually get a loan.