If you apply for a mortgage, you need the original title certificate, which will not be returned to you. Until you repay the loan, they will take it as collateral first, and then the bank will register with the property right center with the property right certificate (registration is to avoid that the bank will register with the property right center with your certificate, and you can't reissue it after they register). Finally, the property rights center will give the bank a receipt, and you only have a copy. Then why wait for 1 to repay the loan?

Legal objectivity:

"Measures for the Administration of Commercial Housing Sales" Article 6 The pre-sale permit system shall be implemented for the pre-sale of commercial housing. The pre-sale conditions of commercial housing and the procedures for the pre-sale permit of commercial housing shall be implemented in accordance with the relevant provisions of the Regulations on the Administration of Urban Real Estate Development and Management and the Measures for the Administration of Urban Commercial Housing Pre-sale.