Legal analysis: not necessarily. Advance registration certificate is the second step of mortgage loan. The first step of mortgage loan is the property right registration of house purchase contract; Step 2, apply for the advance notice registration certificate; Step 3, apply for mortgage registration certificate with advance notice registration certificate; Step four, take the mortgage registration certificate to the bank for a loan.

Legal basis: Article 221 of the Civil Law of People's Republic of China (PRC) stipulates that if a party signs a house purchase and sale agreement or other agreement on real property rights, it may apply to the registration authority for advance notice registration in order to ensure the realization of future real property rights. After the advance notice registration, if the obligee without advance notice registration agrees to dispose of the real estate, the real right effect will not occur. After the advance notice registration, the creditor's rights are extinguished or the application for registration is not made within 90 days from the date when the real estate registration can be carried out, and the advance notice registration is invalid.