If the real estate certificate is not issued, you can still apply for a loan from the bank. After people who buy a house with a mortgage sign a purchase contract with the developer, they can take the purchase contract to the bank to apply for a loan. When banks review loans, they mainly review the lender's behavioral capacity, property status and credit status. If the requirements are met, the loan can be granted. According to the relevant laws and regulations of my country, personal loan applications should meet the following conditions: (1) The borrower is a citizen with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations; (2) The purpose of the loan is clear and legal; (3) The amount and term of the loan application and currency are reasonable; (4) the borrower has the willingness and ability to repay; (5) the borrower has good credit status and no major bad credit records; (6) other conditions required by the lender.

Legal Basis

Article 11 of the "Interim Measures for the Administration of Personal Loans" Article 11: Personal loan applications should meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount, term and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower’s credit status is good and there are no major bad debts Credit record;

(6) Other conditions required by the lender.