Legal analysis: you can apply for a loan, but banks generally don't approve it. General loans need collateral, only the purchase contract, no real estate license, the risk is too high for banks, banks will not approve loans in order to avoid risks. When a commercial bank conducts credit business, it shall strictly examine the borrower's credit standing and guarantee to ensure that the loan can be recovered on schedule.

Legal basis: Article 395 of the Civil Law of People's Republic of China (PRC), the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of borrowers, and ensure and guarantee the timely recovery of loans. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.