Legal analysis: you can get the real estate license. Although the loan has not been paid off, the property right belongs to the borrower, and the borrower only borrows money from the bank with this property right as collateral. If the loan is not paid off, it will be recorded in the archives of the Housing Authority, and the remarks column on the real estate license will also be indicated. The bank will ask to go to the Housing Authority to make a certificate of other rights indicating mortgage matters, put the certificate of other rights in the bank and give the real estate license to the borrower. After the loan is paid off, take the bank certificate to the Housing Authority to make changes and revoke his right certificate.

Legal basis: Article 210 of the Civil Law of People's Republic of China (PRC) stipulates that the registration of real estate shall be handled by the registration agency where the real estate is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.