Can I apply for a mortgage loan only with a real estate license?

Yes, real estate mortgage loan means that the borrower pays the principal and interest to the bank in installments with his own or third-party real estate as collateral, but before paying off the principal and interest, he mortgages the bank with his property right certificate as collateral. If the buyer fails to repay the principal and interest within the time limit, the bank can sell the house to offset the arrears.

Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage;

The sum of the house age and the loan period cannot exceed 40 years;

Mortgaged houses are not included in the local urban reconstruction and demolition plan.