You can use someone else's real estate license to borrow money. Property certificate is a symbol of ownership. The real estate license has the ownership of the house and the corresponding disposition right. It is a legal certificate issued by the state that can occupy the right to use and dispose of houses. According to the relevant regulations, the owner of the collateral can be the borrower himself or others, but if the borrower uses other people's real estate license to mortgage the loan, the mortgagor must issue a letter of commitment to allow the borrower to use the real estate license to handle the mortgage loan, and at the same time, the mortgagor's spouse or all property owners need to sign a letter of commitment.

Mortgage loan, also called mortgage loan. Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Legal basis: Article 674th of the Civil Code of People's Republic of China (PRC).

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 675

The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.