1. If the borrower only has no real estate license temporarily and is still in the mortgage period, friends who can't get the real estate license can apply for a loan by providing the pre-sale contract and mortgage repayment materials to the bank.
2. If the borrower does not have a real estate license, but can provide pledges such as cars, bills of exchange and bonds. You can also apply for a loan from the bank.
3. If the borrower does not have a real estate license and cannot provide the above pledge, of course, he can find a guarantor with real estate, and the borrower can also obtain a bank loan in the form of a third-party mortgage loan.
4. In addition, for friends who don't have a real estate license and don't meet the above conditions, if they have a stable job and income, they can also obtain funds through usury.
Measures for the administration of automobile loans
Article 9 A borrower applying for an individual car loan shall meet the following conditions:
(1) People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than one year (including one year);
(2) Having a valid identity document, a fixed detailed address and full capacity for civil conduct;
(3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest;
(4) Personal credit is good;
(5) Being able to pay the prescribed down payment;
(6) Other conditions required by the lender.
Article 10 When granting personal car loans, the lender shall comprehensively consider the following factors and determine the loan conditions such as loan amount, term, interest rate and repayment method:
(a) the lender's credit rating of the borrower;
(2) loan guarantee;
(three) the performance and use of the purchased car;
(four) the development of the automobile industry and the supply and demand of the automobile market.