Legal analysis: When a lender uses a house occupied by an individual as collateral to borrow money from a bank, it must sign a house mortgage loan contract, but the bank will not accept the real estate license.

Legal basis: Administrative Measures of the People's Republic of China on Individual Housing Loans

Article 31 If the borrower dies, disappears or loses the capacity for civil conduct within the repayment period, and there is no heir or legatee, or his legal successor or legatee refuses to perform the loan contract, the lender has the right to dispose of the collateral or pledge in accordance with the provisions of the Security Law of the People's Republic of China.

article 32 if the price of the mortgaged property or pledge is insufficient to repay the principal and interest of the loan, the lender has the right to recover from the debtor; If the price exceeds the repayable part, the lender shall return it to the mortgagor or pledger.

article 33 the mortgagee has the priority to be compensated for the proceeds from the auction of the allocated state-owned land use right after paying the amount equivalent to the payable land use right transfer fee according to law.

article 34 when there is a dispute over a loan contract, both the borrower and the lender shall settle it through negotiation in time. if negotiation fails, either party may apply for arbitration or bring a lawsuit to the people's court according to law.