1. Find other lending institutions: Not all lending institutions will require real estate licenses as collateral. You can find other lending institutions, understand the requirements and conditions, and choose the loan scheme that suits you.

2 Find a guarantor: If you have trusted friends or family members, you can consider asking friends to be guarantors and provide guarantees for loans, so you don't have to provide real estate licenses as collateral.

3. Extend the repayment period: If you can't provide the real estate license as collateral, you can consider extending the repayment period, reducing the monthly repayment amount and alleviating the economic pressure.