Only the purchase contract is not allowed to find a bank loan. If you want to find a bank loan, you must have a real estate license. Specifically, the most basic condition is that you must have a complete double certificate, that is, China People's Land Use Certificate and China People's Housing Ownership Certificate. Only the property with complete double certificates can go through the mortgage registration formalities. If you lack a certificate, you can go through the corresponding loan procedures according to law.

legal ground

Article 5 of the Interim Measures for the Management of Personal Loans: Lenders shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, define the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.