1, he is right, but this is the problem of the bank. At first, it was not a mortgage. A mortgage requires collateral. This is the foundation, so it is called mortgage loan.

2. Legally, the developer must have five certificates to sell the house, so does Ms. Liu have a real estate license? If that's the case, the state legally recognizes the house as Ms. Liu's, so she obtained the real estate license. No one can guarantee the interests of the bank, because it is illegal from the beginning, it is not a mortgage, it is financing. Who knows how to talk about it? If Xianglong didn't continue to build houses after borrowing money, what would they do? What if there is no 15 floor in Block A? Only after seeing his certificate of rights can the mortgage be lifted. The bank violated the rules first and had nothing to do with Ms. Liu.

Ms Liu Can mortgaged the house she bought. The premise of mortgaging and protecting her own interests is to have a real estate license, which is the basis for solving everything.