1. If private lending needs mortgage guarantee, it depends on whether the mortgaged property is movable or immovable, and the type of guarantee is mortgage or pledge;

2. If you want to mortgage the property, you need to register the mortgage, otherwise the legal effect of the mortgage will not occur; If the movable property is pledged, the movable property needs to be delivered, otherwise the legal effect of the pledge cannot occur;

3. As far as your consultation is concerned, just mortgaging the real estate license can't play the role of guarantee, and the other party can completely reissue the real estate license.