Legal analysis: eligible people can get loans. The real estate license is an important document for handling loans, but only the real estate license cannot handle loans, because financial institutions cannot determine the borrower's income and personal credit. In order to successfully apply for a loan, the borrower should also prepare the ID card, household registration book, marriage certificate and personal bank statement for half a year.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 34 Commercial banks should conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies.

Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.

Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.

After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.