Yes, this kind of loan is called a third-party mortgage loan, and I don't need to mortgage it. Many banks are reluctant to do this kind of third-party mortgage business. Some banks doing this business require that the property must be the property of immediate family members. Only a few banks such as China CITIC Bank can accept third-party loans and third-party mortgage loans from relatives other than immediate family members. In addition to the requirements for the lender's own loan, there are also relevant requirements for the third-party collateral holders:

1. Third-party collateral holders need to provide: ID card, household registration book, marriage certificate, property right certificate and other materials;

2. The third-party collateral holder must be between 18-60 years old;

3. Third-party collateral needs to meet the requirements of banks. The real estate license can't be mortgaged by myself, generally it is a marketable commercial house with a room age of 15 years;

4. Other requirements of the bank require that the real estate license can be mortgaged without me.

Mortgage to buy a house, the original real estate license is mortgaged in the bank.

First, mortgage loans to buy commercial housing, real estate mortgage registration, the "house ownership certificate" by the purchaser to take over, the bank holds the "house ownership certificate".

2. According to the regulations, if you buy a house by mortgage, you should register the house mortgage after you register the property right. As the mortgagee, the bank will get the proof of other housing projects. Therefore, after the real estate mortgage registration, the house ownership certificate is taken over by the purchaser, and the bank holds the house ownership certificate.

3. Before the mortgage registration is paid off, the mortgage registration record has been kept in the real estate file, and it is not allowed to buy or sell. Therefore, there is no need for banks to require lenders to pledge real estate licenses to banks.

Fourth, after the loan is paid off, don't forget to bring the loan settlement certificate issued by the bank to the Housing Authority to cancel the mortgage.

Now the general loan is used to buy a house, and the real estate license is mortgaged by the bank. Now banks in many places don't need to detain real estate licenses. There are also mortgage warrants for bank loans, which can achieve results by mortgage in banks. For example, in Shanghai, the real estate license bank that handles loans to buy a house is not needed, and only one of his warrants is detained in the bank. The real estate license needs to be proved in many places in life, so there is really no need for the real estate license to be detained by the bank, which will affect the daily life of the homeowner. I suggest you negotiate with the bank to explain why you need a real estate license. The bank should be able to give it to you