Legal analysis: the real estate license loan is actually a real estate license mortgage loan. As proof of the property right of the house, the borrower can mortgage it to get a loan to solve the shortage of funds. Application conditions for real estate license loan: 1. The owner of the collateral can be the borrower himself or others. In other words, even if the real estate license is not your own, you can apply for a mortgage loan with someone else's house as long as you have the consent of others and the proof of consent to mortgage; 2. The actual age of a natural person with full capacity for civil conduct at the maturity date of the loan is generally no more than 65 years old; 3. Have permanent residence and fixed residence; 4. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; 5. The co-owner of the real estate recognizes the relevant loan and guarantee behaviors and is willing to bear relevant legal responsibilities; 6. The age of the house (calculated from the date of completion of the house)+the loan period does not exceed 40 years; 7. The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without any other mortgage; 8. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments. Now it is a certificate of immovable property rights.

Legal basis: Article 60 of the Law of People's Republic of China (PRC) on Urban Real Estate Management shall apply to the land administration department of the local people's government at or above the county level for registration, which shall be verified by the land administration department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level.

If a house is built on the land for real estate development obtained according to law, it shall apply for registration with the real estate management department of the local people's government at or above the county level with the land use right certificate, and the real estate management department of the local people's government at or above the county level shall verify and issue the house ownership certificate. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level.

If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.