Legal analysis: Mortgage registration for pre-purchase commercial housing loans requires the following procedures: 1. Handle real estate mortgage registration. 2. When handling real estate mortgage registration, relevant documents must be submitted to the registration authority for verification. 3. The registration authority shall review the applicant’s application. 4. Issue the "Other Property Rights Certificate" to the mortgagee.

Legal basis: "The People's Republic of China and the Civil Code"

Article 667: The loan contract means that the borrower borrows money from the lender, and returns the loan and pays when due interest contract.

Article 680: Lending at high interest rates is prohibited, and the interest rate for borrowing must not violate relevant state regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest will be determined according to local or party transaction methods, transaction habits, market interest rates and other factors; if the loan is borrowed between natural persons, it will be deemed to have no interest.