Legal analysis: As long as it complies with bank regulations and can provide corresponding materials, it is possible to apply for a house mortgage. Real estate is used as a mortgage loan, that is, the real estate (real estate) is used as a mortgage and the operating enterprise (industrial and commercial license) is used as the lender to apply for a loan. The loan procedures require: identity certificates of the borrower and his wife, household register, marriage certificate, house ownership certificate, land Certificate (or copy), industrial and commercial license, tax registration certificate, income certificate, bank flow, and house evaluation report.

Legal basis: Article 394 of the "People's Republic of China and Civil Code" To guarantee the performance of a debt, the debtor or a third party does not transfer possession of the property and mortgages the property to the creditor If the debtor fails to pay due debts or the circumstances agreed by the parties to realize the mortgage rights occur, the creditor shall have the right to receive priority payment for the property.

The debtor or third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property providing guarantee is the mortgaged property.