You can use the property with complete two certificates as collateral and borrow money from the bank. The so-called two certificates refer to real estate license and land certificate, and the real estate itself has no mortgage loan.

If you need to apply for a loan from the bank, the bank will go to the door to evaluate the market value of the property, determine a maximum loan amount for you, and then provide the husband and wife's ID card, household registration book, income certificate and marriage certificate (if you are single, you need to provide the single certificate opened in the street) to the bank. Lending time is generally about two weeks, and if it is slow, it will be less than one month.