Yes, but two conditions need to be met:

1. If it is a formal real estate license and land certificate, you can apply for a mortgage loan;

2. You can go to the real estate department and the land department for verification with the seller.

Conditions for mortgage to buy a house: (1) The conditions required by the borrower are 1. A natural person aged 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed); 2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule; 3. The borrower's actual age plus the loan application period shall not exceed 70 years old. (2) Information to be provided: 1, three copies of the ID card of the applicant and spouse, and the original and copy of the household registration book (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached); 2. The original purchase agreement; 3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price; 4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ; 5. The developer's collection account number is 1 copy. (3) The information that the borrower should provide is 1. Husband and wife's ID card, household registration book/temporary residence permit, and foreigner's household registration book; Two copies of marriage certificate/divorce certificate or judgment/single certificate; 3 proof of income (in the format stipulated by the bank); 4. Copy of the business license of the unit (with official seal); 5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc. 6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

"Mortgage" refers to a loan method of buying a house or shopping by borrowing money from a bank as collateral and then repaying it in installments.

Originally originated from western countries, it was originally intended as a legal relationship in the Anglo-American balance law system. Later, it was introduced into the mainland real estate market from Hong Kong in the 1990s, which was first tried by Shenzhen Construction Bank, and then gradually became popular in the mainland. Because of its frequent appearance in the real estate field and its formal use in this paper, its meaning has gradually evolved into "mortgage loan", which has been officially called "personal purchase of commercial housing mortgage loan" in China.

Expose the original meaning and hold it high, which means borrowing meaning. Pressing something stuck can mean repaying the loan, so mortgage means repaying the loan, which can also be explained in Chinese without resorting to transliteration.

Another explanation for the origin of the word "mortgage" comes from the book Common Words and Errors published by Meteorological Publishing House in 2009 (by Zhang Haifeng). What does the article on page four of his book mean by "mortgage"? The author thinks that the word "borrow" has the meaning of "mortgage loan" in ancient Chinese and modern Chinese, which can be seen in some literary works. There is such a description in the novel Long Night by Yao, a famous contemporary writer: "A few days ago, people were forced by creditors, so I went to my sister's house and urged my brother-in-law to ask my uncle to tell me about milk. I uncovered more than a dozen pieces and took them back to pay interest." In his article, Yao pointed out: "Borrowing is called debt borrowing, or' borrowing' for short. Yao is from Henan, and this book is about Henan. It seems that this word has been popular in the Central Plains for a long time. Up to now, the difference between "borrowing" and "uncovering" among the elderly in rural areas of Henan Province is very clear: "borrowing" refers to "temporarily using other people's goods or money", while "uncovering" is an interest-bearing term loan secured by real estate.

Can an individual get a loan with a real estate license?

Loans can be made provided that the applicant has a legal and stable income and a certain repayment ability. The applicant is a legal citizen with full capacity for civil conduct. If there is a real estate owner, it needs to be recognized and guaranteed by the real estate owner. The age of the house and the loan period cannot add up to more than 40 years. The property right of the house is clear, there is no other mortgage, and it meets the listing and trading conditions stipulated by the state.

Article 49 of People's Republic of China (PRC) Urban Real Estate Management Law: Real estate mortgage shall be handled with the certificate of land use right and the certificate of house ownership.

Can I go to the bank to pay for my own house by installment?

Yes, as long as you have big property rights (formal houses), you can apply for bank loans.

It is also possible for private individuals to pay the house payment by installments, as long as the buyer and the seller can reach an agreement and sign an installment agreement.

Can I go to the bank for a loan with a real estate license?

Yes, the process is as follows:

1. Prepare all materials, including husband and wife ID cards, household registration books, marriage certificates, real estate licenses, purchase contracts or invoices, and bank statements of personal accounts for the last six months.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

Article 26 of the general principles of loans

Evaluation of the borrower's credit rating: The borrower's credit rating should be evaluated according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency, development prospects and other factors. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.

Extended data:

Real estate mortgage loan conditions:

1. The mortgage loan requires the service life of the house to be within 20 years;

2. The housing area should be more than 50 square meters;

3. The house should have strong mobility.

4. The mortgage loan amount is 70% of the appraised value of the house.

5. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years.

Can an individual get a loan with a real estate license?

1. Generally speaking, individuals can apply for loans with real estate licenses. As long as the lender meets the loan conditions stipulated by the loan bank and the mortgaged property belongs to the lender's name, then the individual can apply for a loan directly with the real estate license. If the mortgaged property certificate belongs to someone else, then the written commitment of the owner of the house to use his property as collateral must be presented. In addition, the loan must be signed by the lender and his spouse or the owner of the house. 2. If an individual wants to get a real estate license loan, then the lender must be a legal citizen with full civil capacity in China, with legal and stable economic income and certain repayment ability. In addition, the property rights of the house must be clear, not mortgaged, and the conditions for listing and trading need to be met. 3. If the mortgaged property is owned by the lender and a third party, a statement that someone agrees to mortgage is required when handling the loan. In order to avoid the phenomenon of using real estate to offset the loan debt, the lender must choose the appropriate loan amount, loan term and loan method according to the economic situation of himself and his family members. 4. Under normal circumstances, the longest loan period is 30 years, and the loan amount generally cannot exceed 70% of the appraised house price. In addition, when applying for a loan, the sum of the remaining service life of the house and the loan life cannot exceed 40 years, and the sum of the lender's age and the loan life cannot exceed 60 years. In excess, the lender may not apply for a loan. The above is a detailed introduction about whether individuals can use real estate license loans, hoping to help friends in need. Individuals can apply for loans with real estate licenses. If the mortgaged real estate license belongs to others, there must be a written undertaking that the owner of the house agrees to mortgage his property. Legal basis: Article 17 of the General Principles of Loans: The borrower shall be an enterprise (institution) legal person, other economic organizations, individual industrial and commercial households or a natural person of China nationality with full capacity for civil conduct approved and registered by the administrative department for industry and commerce (or the competent authority). The borrower applying for a loan should have the basic conditions such as marketable products, profitable production and operation, not misappropriating loan funds, and abiding by credit, and should meet the following requirements: 1. The borrower has the ability to repay the principal and interest on schedule, and has paid off the original loan interest payable and the loan due; If there is no repayment, a repayment plan approved by the lender has been made. Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic deposit account or general deposit account has been opened. Four, except as stipulated by the the State Council, the accumulated amount of foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets. V. The borrower's asset-liability ratio meets the requirements of the lender. Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.