1. The house property right certificate is the proof of the house property right, which can be used for mortgage loan.
2. To apply for real estate mortgage, it is required that the property rights of the house should be clear, meet the listing and trading conditions stipulated by the state, and you can enter the real estate market without any other mortgage.
3. The owner of the collateral can be the borrower himself or others. In other words, even if the real estate license is not your own, you can apply for a mortgage loan with someone else's house as long as you have proof of others' consent and mortgage.
The above is an introduction about whether the title certificate can be used for mortgage loans. If in doubt, please consult the relevant places.