No, real estate mortgage is to mortgage the real estate license and land certificate of the real estate to the bank. You can't apply for mortgage loan without real estate license. You should apply for real estate license in time. Documents required for real estate mortgage:

1, real estate license (the real estate license and land certificate in mortgage bank loans must be mortgaged to the bank);

2. Identity cards of the obligee and his spouse;

3. Household register of the obligee and spouse;

4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);

5. proof of income;

6. If the owner of the real estate license has minor children, please provide a birth certificate;

7. If there is a bank loan for the property, please provide the original loan contract and the last bank statement. Real estate license processing needs to go to the local housing authority for processing, and the corresponding information needs to be submitted. Real estate registration is generally divided into five procedures: registration receipt, surveying and mapping, property right review, drawing warrants and issuing certificates at a fee.

2. I bought the house in full, but I haven't got a real estate license yet. Can I get a mortgage?

Bank loans are strictly controlled and there must be collateral. As proof of your rights, it is not the contract and invoice of the house, but the real estate license issued by the Housing Authority. So, either you choose other loan methods, or you wait for the real estate license.

3. Can the whole house be mortgaged without real estate license?

Hello, the property used for mortgage loan needs to be qualified for listing and trading. Generally speaking, only real estate with complete double certificates can have such qualifications, that is, real estate license and land certificate. The whole house can't be mortgaged without a real estate license, but it doesn't mean that it can't be loaned. You can provide real estate-related information such as the purchase contract. When applying for a loan by means of credit loan, it can be used as proof of personal assets, which can prove your repayment ability and is very helpful for obtaining a loan smoothly. Some banks will consider increasing the loan amount appropriately, while others will consider lowering the loan interest rate appropriately. Hope to adopt, thank you!

4. Can the whole house be mortgaged without real estate license?

The full house can be mortgaged without a license. According to relevant laws and regulations, the parties who need loans can apply for loans by providing pre-sale contracts and mortgage repayment materials to banks. So the whole house can be mortgaged without a license.

Article 38 of the People's Republic of China (PRC) Urban Real Estate Management Law stipulates that the following real estates may not be transferred:

(a) the acquisition of land use rights by means of transfer does not meet the conditions stipulated in Article 39 of this Law;

(two) the judicial organs and administrative organs have ruled or decided to seal up or restrict the real estate rights in other forms according to law;

(three) to recover the land use right according to law;

(four) without the written consent of other people, * * * owns real estate;

(five) the ownership is controversial;

(6) Failing to register according to law and obtaining the ownership certificate;

(seven) other circumstances in which the transfer is prohibited by laws and administrative regulations.