As the electronic real estate license is a valid certificate recognized by law, it has the same effect as the paper real estate license, so it can be used as collateral for loans. When applying for a loan, the bank will require the borrower to provide housing-related documents such as electronic real estate license for verification according to relevant regulations. At the same time, the borrower needs to ensure that the documents provided are true and effective, and the bank will provide him with loan services.