I understand your question from three aspects: first, you have a crush on a house, which has no real estate license, no real estate license and no online sign, so you can't prove the rights of the house, so you can't buy or sell it. Second, if you have a crush on the house and have not signed the certificate online, this situation mostly happens when the original owner buys the auction house, and it takes some time to apply for the real estate license. Such a house can be bought and sold if it has been handed over. Generally, you pay a large deposit (20% of the total house price) or part of the house price, and the payment time of the remaining money is agreed, and the transaction cycle is relatively long. 3. You own a house without real estate license and online sign, so if you are a Jinan hukou and meet the requirements of the first home loan, you can apply for a 30% down payment loan. If you are a full-time undergraduate social security for more than half a year, you can also apply for a 30% down payment loan. If you are a foreign hukou, you need to apply for a 24-hour down payment loan for three years.