Need. In the process of mortgage loan, mortgage real estate license is needed. Doing mortgage registration with the Housing and Land Administration Bureau means stamping the house book to prove that the house has been mortgaged to the bank, and you can get it back to cancel the mortgage registration after paying back the money, which will not affect your living and renting.

Legal basis:

Article 394 of the Civil Code of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Does Ping An Bank need mortgage property certificate?

You have to mortgage the real estate license.

The Measures for the Administration of Urban Real Estate Mortgage has corresponding provisions:

Article 32 To apply for real estate mortgage registration, the following documents shall be submitted to the registration authority:

1, the identity certificate or legal person qualification certificate of the mortgagor;

2. Application for mortgage registration;

3. State-owned land use right certificate, house ownership certificate or real estate certificate. * * * Some houses must also submit the house ownership certificate and the proof that other * * * people agree to mortgage;

4. Documents and certification materials that can prove that the mortgagor has the right to set mortgage;

5. Other documents deemed necessary by the registration authority.

Extended data:

Relevant laws and regulations of Measures for the Administration of Urban Real Estate Mortgage:

Article 37 The mortgage right may be transferred with the creditor's rights. When the mortgage is transferred, a mortgage transfer contract shall be signed and the mortgage change registration shall be handled. After the mortgage is transferred, the original mortgagee shall notify the mortgagor.

With the consent of the mortgagee, the mortgaged real estate can be transferred or leased. The proceeds from the transfer or lease of mortgaged real estate shall be paid off to the mortgagee in advance. The part exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.

Thirty-eighth due to the needs of national construction, the mortgaged real estate is included in the scope, and the mortgagor shall promptly notify the mortgagee in writing; Both parties to the mortgage can reset the mortgaged real estate, or clean up the creditor's rights and debts according to law and terminate the mortgage contract.