No need. The loan contract comes first, and the mortgage contract can be signed later than the loan contract.

According to the "Guarantee Law of the People's Republic of China":

The scope of application and guarantee methods of Article 2

In lending, buying and selling, transportation of goods, In economic activities such as processing and contracting, if a creditor needs to use a guarantee to ensure the realization of its creditor's rights, it may set up a guarantee in accordance with the provisions of this Law. The types of guarantees stipulated in this Law are guarantees, mortgages, pledges, liens and deposits.

Article 5: The relationship between the guarantee contract and the main contract and the legal consequences after the guarantee contract is invalid

The guarantee contract is a subsidiary contract of the main contract. If the main contract is invalid, the guarantee contract is invalid. If the guarantee contract stipulates otherwise, the stipulation shall prevail. After the guarantee contract is confirmed to be invalid, if the debtor, guarantor and creditor are at fault, they shall each bear corresponding civil liability according to their faults.

Extended information:

According to the "Guarantee Law of the People's Republic of China":

Article 38 Conclusion of Mortgage Contract

The mortgagor and the mortgagee shall enter into a mortgage contract in writing.

Article 39 Contents of the Mortgage Contract

The mortgage contract shall include the following contents:

(1) Type and amount of the principal creditor’s rights being guaranteed;

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(2) The time limit for the debtor to perform its debt;

(3) The name, quantity, quality, condition, location, ownership or right of use of the mortgage;

(4) Scope of mortgage guarantee;

(5) Other matters deemed necessary by the parties. If the mortgage contract does not fully contain the contents specified in the preceding paragraph, it may be supplemented and corrected.

Article 40 Prohibitions on Mortgage Contracts

When entering into a mortgage contract, the mortgagee and the mortgagor shall not stipulate in the contract that the mortgagee shall not be repaid at the expiration of the debt performance period. , the ownership of the mortgaged property is transferred to the creditor.

Article 41 Registration and effectiveness of mortgage property

If a party mortgages property specified in Article 42 of this Law, it shall register the mortgage property, and the mortgage contract shall be automatically registered. Effective from that date.

Baidu Encyclopedia-Guarantee Law of the People's Republic of China