1. When handling mortgage loan, the borrower must bring his valid ID card and loan contract. Real estate license and other materials, to the housing authority where the house is located for mortgage registration. In the process of mortgage registration, the Housing Authority will hand over his property right certificate to the bank and stamp the mortgage seal on the real estate license, which means that the house has been mortgaged, but the real estate license is still kept by the borrower himself;
2. If you buy a house by mortgage according to the regulations, you should register the house mortgage after the property right registration. As the mortgagee, the bank will get the real estate license. Therefore, after the registration of real estate mortgage, the house ownership certificate is taken over by the house purchaser, and the bank holds the house ownership certificate; Before the loan is paid off, the registered real estate has been recorded in the real estate file, so it is not allowed to buy or sell, so there is no need for the bank to require the lender to mortgage the real estate license to the bank.
Extended data:
Mortgage loan refers to a loan business carried out by mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase housing provide regular guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house to the mortgagor, and the beneficiary, as the repayment guarantor, transfers the property rights involved to the mortgagor immediately after the mortgagor pays off the loan, and the mortgagor enjoys the right to use in this process.
Reference: Mortgage Loan-Baidu Encyclopedia