Yes.

The real estate certificate is proof that the obligee enjoys the property rights of the real estate. It is a legally valid document and can be used as a certificate for the borrower to apply for a mortgage loan from the bank. According to the encyclopedia query, within the scope of legal provisions, borrowers can use real estate certificates as collateral to apply for loans from banks. The bank will review the borrower's qualifications. After passing the review, the bank will sign a loan contract with the borrower and open an account, then go through the mortgage registration procedures with the relevant housing management department, and finally issue the loan to the borrower.