Legal analysis: Yes, bank loans need mortgage guarantee to buy a house. For people in mortgage to buy a house, applying for a bank in mortgage to buy a house is the standard.

Legal basis: Article 400th of the Civil Code of People's Republic of China (PRC) establishes mortgage, and the parties shall conclude a mortgage contract in writing.

A mortgage contract generally includes the following clauses:

(1) The type and amount of secured creditor's rights;

(2) The time limit for the debtor to perform the debt;

(3) The name and quantity of the mortgaged property;

(4) the scope of the guarantee.