Legal analysis: mortgage loan is not allowed. The premise of mortgage loan is to have a real estate license. The application materials are: 1. Real estate license (the real estate license and land certificate of mortgage bank loan must be mortgaged to the bank); 2. Identity cards of the obligee and his spouse; 3. Household register of the obligee and spouse. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau); 5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. ); 6. If the property owner has minor children, please provide birth certificate.

Legal basis: Article 395 of the Civil Law of People's Republic of China (PRC), the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.