No, according to the provisions of the Civil Code, other people's real estate licenses cannot be used to mortgage loans, and the mortgagor and the house owner must agree to mortgage housing loans. The person who can mortgage the house is the owner of the house, so others can't mortgage it with their own real estate license, but only by the owner.

Take someone else's house as a mortgage loan condition:

1, you must first obtain the consent of the owner of the house you want to mortgage, that is, the owner of the real estate license;

2. The owner of the real estate license must go with you to the institution that handles the loan to handle the mortgage registration;

3. If the property owner can't come forward, he can issue a consent mortgage.

Can the real estate contract be mortgaged?

Real estate contracts are generally not mortgage loans. Specifically, the real estate contract does not prove the ownership of real estate, so it lacks the corresponding real right effect in real estate mortgage. The law stipulates that a house should be used for real estate mortgage loans, and a house can only be used for real estate mortgage loans if it has a real estate license. If there is no real estate license, it is generally impossible to apply for a real estate mortgage loan. Therefore, if there is only a real estate contract, then you cannot apply for a mortgage loan.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 395

Scope of Mortgaged Property The following properties that the debtor or a third party has the right to dispose of can be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.