Banks without business licenses generally do not handle mortgage loans, so they can find other ways. If the user provides a business license, the bank will also conduct on-site inspection to ensure that the information provided by the user is true and effective. If the bank can't handle mortgage loans, users can apply to private lending companies.

Bank houses need to apply for a business license for mortgage loans, in order to prevent loan funds from flowing into the real estate and stock markets, and also to prove that customers' business units have the ability to repay their income. The interest rate of general operating loans is relatively low, and many people use the loans for other purposes, which is also the reason why banks strictly require them.