At present, there are many kinds of bank loans, which are also channels for banks to increase their business needs. There are usually credit loans, mortgage loans, interest-free loans for start-ups, special loans and so on.

If you use real estate as a mortgage loan, banks have requirements for real estate. Now the bank mortgage loan requires a real estate title certificate to have a real estate license. You can't mortgage your house in the bank. If it is a resettlement house, don't apply for a real estate license, so you can't apply for a mortgage loan in the bank, you can apply for a credit loan and a special loan.

If you use real estate as a mortgage loan, banks have requirements for real estate. The requirement now is that you must have a property title certificate before you can mortgage a loan in a bank. You can't mortgage a loan in a bank if you have a real estate license. If your house is a demolition and resettlement house, don't apply for a real estate license, so you can't apply for a mortgage loan in the bank, but you can apply for a credit loan and a special loan.