Now you can't borrow with Baekje Zhengzhai Basic Certificate, and you can't borrow with expedited certificate. Now you can get a loan if you have a real property right certificate and a house, and you can only get a first-class certificate. You can't get a loan without a property right certificate. You must have this title certificate.

Second, the house has no real estate license. Can I get a loan with a Zhuang Ji certificate?

Zhuang Ji certificate can't be used for loans, but a real estate license is required. The mortgage loan process of real estate license is as follows:

1. Prepare materials, including husband and wife ID cards, household registration books, marriage certificates, real estate licenses, house purchase contracts or bank statements with invoices for personal accounts in the last six months.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

Third, can a rural residence permit be used as a mortgage loan?

The housing foundation certificate of rural residence cannot be used as mortgage loan: collectively owned land use rights such as homestead cannot be mortgaged. Creditors such as financial institutions are generally unwilling to accept the mortgage of rural houses by borrowers.

4. Can the rural homestead certificate be loaned?

The housing base certificate is not recognized by the bank now, so it can't be done.