Residential houses have real estate licenses, and when land use is allocated, the loan method has not changed, but the loan amount has decreased. Generally speaking, the type of land sold is 70% of the confirmed value of the house, and if it is allocated, it is only 60% of the confirmed value.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.