Legal analysis: No. Mortgage loans can only be handled with real estate licenses. Only the purchase contract can not prove the borrower's repayment ability. Commercial banks should strictly examine the credit status of borrowers and implement guarantees to ensure timely recovery of loans. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.

Legal basis: People's Republic of China (PRC) Commercial Bank Law.

Article 36 When a commercial bank issues a loan, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 A commercial bank shall sign a written contract with the borrower when granting loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.