1. First-hand houses can apply for mortgage loans directly with the purchase agreement. Mortgage loans can be applied with the mortgage contract and down payment certificate, plus personal ID card, household registration book and marriage certificate/unmarried certificate. Under normal circumstances, developers will provide phased guarantees until the real estate license is issued and the mortgage is done.

2. Only the purchase contract can apply for real estate mortgage loan. The most basic condition of real estate mortgage loan is that you must have two certificates, namely, People's Republic of China (PRC) land use certificate and People's Republic of China (PRC) house ownership certificate. Because only the real estate with complete double certificates can go through the mortgage registration formalities, and the lending institution can obtain his right certificate before lending.

Related instructions:

Loans that can be applied for by real estate agreement:

1, secured loan. You can also apply for a secured loan if you have a qualified guarantor as a guarantee. The amount of the secured loan is determined by the repayment ability of the borrower and the guarantor. If the secured loan is not paid, the credit of the guarantor will be affected while bearing the compensation.

2. automobile mortgage. If you have a car in your name, you can also use the car as a mortgage to get a car mortgage. Usually, it is easier for a loan company in automobile mortgage to handle it, and the loan amount in automobile mortgage will be slightly higher. At the same time, borrowers can choose whether to apply for mortgage loans.