Shops bought in installments can only be loaned if they are paid off in installments; Mortgage loans can be made after paying off in installments.

Unpaid installment:

① The right to use the store belongs to the purchaser;

② The store title certificate is pledged in the bank;

Before the loan is paid off, the property right of the store belongs to the bank.

The installment payment has been paid off:

① The ownership and use right of the store belongs to the buyer;

② Pledged loans can be made.