Can't buy a house. Under the premise that the mortgage loan of the real estate license has not been paid off, the real estate license is mortgaged in the bank, and no transaction of the house can be carried out at this time. Article 209 of the Civil Code states that the establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.

Legal basis: Interim Measures for Personal Loans

Article 11

To apply for a personal loan, the following conditions shall be met: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.