Loaning with land use certificate means mortgaging the land use certificate occupied by the house to the bank, and the bank issues loans. According to the law, if a building is mortgaged, the right to use the construction land occupied by the building shall be mortgaged together.

Legal basis: Article 397 of the Civil Code of People's Republic of China (PRC). Where a building is mortgaged, the right to use the construction land occupied by the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together.