I can't. Houses with unknown ownership cannot be used as collateral, so houses without real estate licenses can't be mortgaged for the time being. Extended data:

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. Mortgage means that the mortgagor (buyer) obtains the ownership of the purchased commercial house by installment. There are two meanings for buyers: first, the house payment can be paid in installments within the prescribed time limit; Second, in the installment stage, the ownership of the house is "pressed" and cannot be "uncovered" (taken away) until it is paid in full. In addition, mortgage trading involves three kinds of debt relationships-namely, the relationship between the mortgagor (buyer), the developer (seller) and the mortgagee (usually the relevant bank). Its procedure is that the mortgagor (purchaser) first signs a purchase contract with the developer and prepays part of the purchase price; Then the mortgagor (buyer) signs a mortgage contract with the mortgagee (bank) on the basis of this contract, and the bank pays the rest of the house price to the developer, and the buyer pays the mortgage bank regularly until the "mortgage price" is paid according to the regulations, and the mortgage process is over. Mortgage loan is a way for the buyer (mortgagor) to borrow money from the bank (mortgagee). That is, the buyer takes the purchased property as collateral, signs a mortgage contract with the bank, and takes the way of not transferring ownership as a guarantee to repay the loan to the bank on schedule. Interest must be paid on this loan. After the buyer (mortgagor) pays off the principal and interest to the bank according to the contract, he can recover the collateral-Property Ownership Certificate and Land Use Certificate. In other words, property buyers do not really own the ownership of the houses they buy before paying off the loans. If the repayment is not made on time, the bank can handle it according to law. Mortgage loan is a popular way of real estate sales in the world. Although it is different from mortgage loan in nature, it has achieved the same goal in "suppressing the ownership of the house" to ensure the debt performance (installment payment and timely repayment).

Second, is there no house to mortgage?

Real estate mortgage loan conditions

Natural person with age 18-65;

Have the ability to repay the loan principal and interest in a timely manner with a proper occupation;

There is no illegal act;

Good credit information and bad credit records;

Being able to provide effective pledge guarantee of rights recognized by banks or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

Open a bank personal settlement account and deduct the loan principal and interest from the designated personal settlement account;

The property right of the house is clear and meets the listing and trading conditions stipulated by the state;

Real estate can enter real estate mortgage;

The sum of housing age and loan application period cannot exceed 40 years;

Mortgaged houses are not listed and have real estate licenses and land certificates issued by real estate departments and land management departments;

Other conditions stipulated by the bank.

Third, can you mortgage a loan without a real estate license?

No, a house without a real estate license can't be used as collateral. In other words, the collateral must prove to be my own property.

4. Can the real estate license be mortgaged without going through the transfer formalities?

Unable to go through the transfer formalities. Because although you still have the real estate license of the mortgaged house, his real estate license is in the bank, and you can't go through the transfer formalities before you pay off the loan.

But there are usually ways to deal with this situation. For example, the method often used by intermediaries here is that buyers and sellers sign a house purchase contract, and then the buyer helps the seller pay off the loan, and the property is notarized to the buyer first. After the loan is paid off, the seller cooperates with the transfer formalities, and then the buyer pays the remaining money. Of course, there may be differences in actual operation, but that doesn't mean there is no way.