Generally, there is no house, and you can't get a loan if you have a purchase contract. For mortgage loan, it is necessary to provide real estate license, land certificate, purchase contract, mortgage contract, mortgage registration application, identity card and household registration book of the obligee and spouse, marriage certificate, income certificate, birth certificate of children and other family property certificates of the obligee.

Legal objectivity:

Article 32 of the Measures for the Administration of Urban Real Estate Mortgage shall submit the following documents to the registration authority for the registration of real estate mortgage: (1) the identity certificate or legal person qualification certificate of the mortgagor; (2) An application for mortgage registration; (3) mortgage contract; (4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted; (5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority.