Property mortgage loan, whether the property right should be taken to the bank depends on the situation.

1. If you apply for a mortgage loan in a bank, it depends on the local mortgage department. In some cities, the mortgage department will take back the original real estate license, then issue a mortgage certificate to the bank, and then go to the mortgage department to cancel the mortgage when repaying, and then return the original. In addition, some city mortgage departments will not accept the original real estate license, but will indicate in the remarks column of the original that the property has been mortgaged to a bank on a certain day, and the original will be returned to you, and a certificate of other rights will be issued to the bank.

2. If you take a private financing loan, the private financing creditor will generally take it to the mortgage department for mortgage procedures before lending it to you, which is the same as the bank's procedure. I believe that private financing loans will not only collect your real estate license without going through the mortgage registration procedures, but also report the loss of the real estate license, and only collect the real estate license without going through the relevant registration procedures, so there is no priority to dispose of the mortgaged property.