The real estate certificate serves as proof of property ownership. The borrower can mortgage it to obtain a loan to solve the lack of funds. Conditions for applying for a loan based on a real estate certificate: 1. The owner of the mortgage can be the borrower himself or another person; 2. A natural person with full capacity for civil conduct, etc.
Legal basis:
"People's Republic of China and Civil Code"
Article 395 Scope of mortgaged property Debtor or third party The following properties that have the right to dispose of can be mortgaged:
(1) Buildings and other land attachments;
(2) Construction land use rights;
( 3) Right to use sea areas;
(4) Production equipment, raw materials, semi-finished products, and products;
(5) Buildings, ships, and aircraft under construction;
< p>(6) Transportation tools;(7) Other properties not prohibited from mortgage by laws and administrative regulations.
The mortgagor may mortgage the properties listed in the preceding paragraph together