1, the real estate license is not your own name and you can't borrow money. Because the real estate license is not your own name, it means that the property is not your own property. Since it is not your own property, you can't take it as a mortgage. The loan can only mortgage all your own property, and the property mortgage loan must be handled by the owner himself with an ID card. If you have the consent of the owner of the house, you can also mortgage it.

2. Legal basis: Article 669th of the Civil Code of People's Republic of China (PRC).

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.

Article 674

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

2. What are the conditions for applying for a loan?

1, with legal and valid residence status;

2. There is a contract or agreement to purchase the store;

3. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

4. There is a down payment of not less than 50% of the total price of the purchased store;

5. Agree to use the purchased shops as collateral or provide assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualification and sufficient compensation capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities.