Legal analysis: Houses without real estate licenses are not eligible for mortgage, so they cannot be used for housing mortgage loans. If you need funds, you can also choose other ways to solve the funding problem. The conditions that the real estate in the real estate mortgage loan needs to meet: there must be a real estate license and a land certificate; No property disputes; Have liquidity; Can be listed and traded and so on.

Legal basis: Article 34 of the Measures for the Administration of Urban Real Estate Mortgage Loan, if the real estate is mortgaged according to law, the registration authority shall record his other rights in the original real estate ownership certificate and the mortgagor shall take over. And issue the real estate license to the mortgagor.

If the pre-sale of commercial housing or the construction in progress is mortgaged, the registration authority shall record it in the mortgage contract. If the mortgaged real estate is completed during the mortgage period, after the mortgagor obtains the certificate of real estate ownership, the parties concerned shall re-register the real estate mortgage.