Calligraphy and painting works cannot be mortgaged, only pledged. Some banks can do it, but the audit is very complicated and strict.

Because I cooperate with auction company, I don't have the qualifications and conditions to apply for mortgage loan for art.

If the source of the artwork is unknown and the authenticity of the artwork cannot be proved, it cannot be used as a mortgage loan.

If the artwork is unclear or unearthed, and the authenticity of the artwork cannot be proved, it cannot be used as a mortgage to apply for a loan.