1. Generally, you can get the real estate license within three months after signing the contract. Whether it's a loan to buy a house or a one-time payment, the time to get the real estate license will not be different because of the different ways of buying a house. If you buy a house with a loan, just put one more certificate in the bank, and then go to the real estate bureau for mortgage registration when the real estate license is issued.

2. Legal Basis: Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts Article 14 If the buyer fails to obtain the certificate of real estate ownership within the following time limit due to the seller's reasons, the seller shall be liable for breach of contract, unless otherwise agreed by the parties:

(1) Real estate registration period stipulated in the commercial housing sales contract;

(2) If the subject matter of the commercial housing sales contract is an unfinished house, 90 days from the date of delivery of the house;

(3) If the subject matter of the commercial housing sales contract is a completed house, it shall be 90 days from the date of conclusion of the contract. If there is no liquidated damages stipulated in the contract or the amount of loss is difficult to determine, it can be calculated according to the total amount of house purchase money paid and with reference to the standard for financial institutions to charge interest on overdue loans stipulated by the People's Bank of China.

Second, can I get the real estate license by mortgage?

Mortgage can get real estate license. Mortgage purchase refers to the mortgage of the house to the bank, and the bank will register as the mortgagee in the other rights of the real estate license. Mortgage is a kind of guarantee, and the most important difference from pledge is that the former does not need to hand over the mortgaged property to the mortgagee, while pledge needs to hand over the pledged property to the mortgagee for safekeeping. Once the mortgage of real estate loan is registered, it may not be transferred for the second time before the mortgage registration is cancelled. Therefore, there is no need for banks to pledge real estate licenses.