As long as it is not a fund-raising house, you can borrow money.

There is a special fund-raising house, and there is no real estate license. When handling mortgage loans, you need to apply for loans with the real estate license of the house as collateral. However, because the fund-raising house has no real estate license, it is impossible to apply for a mortgage loan.

Fund-raising housing is to raise funds to build houses, which has changed the system that housing construction is contracted by the state and units and shared by the government, units and individuals.

Individual workers can give partial relief according to all or part of the contributions of house prices, credit, building materials supply, taxes and fees.