Generally speaking, they are in their own hands, and banks only keep other certificates of rights, depending on the regulations of banks.

1. Whether the bank mortgage loan real estate license is in the hands of the bank depends on the specific policies of the lending bank.

2. Generally, when buying a house with a loan, three certificates will be issued, one is the land certificate, the real estate certificate and another certificate of other rights, which will be mortgaged in the bank, and the two certificates are still in the hands of the buyers themselves.

3. For mortgage loans handled before 21, the real estate license should be mortgaged in the bank.