Legal analysis: you can go to the local real estate administration to check whether the real estate license has been used for loans. Mortgage housing loans actually refer to loans from mortgage banks for commercial housing varieties that customers already own and can be listed and circulated. When the debtor fails to perform the debt, the creditor has the right to be paid in priority with the proceeds from the auction of mortgaged real estate according to law. If the mortgagor fails to notify the mortgagee or assignee, the transfer is invalid.

Legal basis: Measures for the Administration of Individual Housing Loans

Article 6 The borrower shall provide the lender with the following information: identity documents (referring to valid residence certificates such as resident identity cards and household registration books); 2. Proof of the stable income of the borrower's family; Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents; Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; 6. Other documents or materials required by the lender.

Article 16 If the borrower takes the purchased house as collateral for the loan, it must take the full value of the purchased house as collateral for the loan.