Legal analysis: You can buy it. You need to get the title certificate and transfer it to the housing supervision office, and then transfer it to your account. You can then go through the loan procedures and mortgage the title certificate transferred to your account to the bank. The bank will get a loan, and then you will repay the mortgage.

Legal basis: "City Real Estate Management Law of the People's Republic of China" Article 61 To obtain land use rights by transfer or allocation, an application must be made to the land management department of the local people's government at or above the county level. Registration shall be verified by the land management department of the local people's government at or above the county level, and a land use right certificate shall be issued by the people's government at the same level. If a house is built on the real estate development land obtained in accordance with the law, it shall apply for registration with the real estate management department of the local people's government at or above the county level with the land use right certificate, and the real estate management department of the local people's government at or above the county level shall verify and issue a house ownership certificate. When real estate is transferred or changed, an application must be made to the real estate management department of the local people's government at or above the county level for real estate change registration, and with the changed house ownership certificate, an application must be made to the land management department of the people's government at the same level for land use right change registration. After verification by the land management department, the land use right certificate will be replaced or modified by the people's government at the same level. If the law provides otherwise, the provisions of the relevant laws shall apply.