Legal analysis: you can't write other people's names. The owner must be the lender, because the owner is the lender and the bank during the loan period, and the registration certificate needs to be mortgaged by the bank.

Legal basis: Article 403 of the Civil Law of People's Republic of China (PRC) is mortgaged with movable property, and the mortgage right is established when the mortgage contract comes into effect; Without registration, you may not be able to fight well-intentioned third parties.