If you can't get a loan, you need a room book. The house and land certificate are mortgaged to the bank.

Preparation data of real estate mortgage loan:

1. Original and photocopy of ID cards of the borrower and spouse;

2. The original and photocopy of the household registration book of both husband and wife of the borrower;

3. Proof of marital status;

4. The original purchase agreement;

5. The original and photocopy of the advance receipt for 30% or more of the house payment;

6. proof of income;

7. Bank flow;

8. Academic certificate;

9. Bank deposit certificate;

10, other financial certificates;

1 1, the collection account number of the developer;

12, other materials specified by the bank.