The title certificate cannot be mortgaged to the bank, and the mortgage loan can only be handled after the house ownership certificate is completed, as follows:

The lender applies to the bank with identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or photocopy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report. After approval, it goes to the housing management department for mortgage registration, and then goes to the bank to withdraw the loan.