Yes, mortgage loans can only be handled with real estate licenses, and forward mortgage loans can be handled with contracts. To apply for mortgage loan, you need originals such as real estate license, ID card, household registration book, marriage certificate (unmarried certificate) and loan use information. Because commercial banks carry out credit business, they should strictly examine the credit standing of borrowers, implement guarantees and ensure the timely recovery of loans. Mortgaging the real estate license is conducive to safeguarding the rights and interests of banks.

Legal objectivity:

Article 56 of the Measures for Housing Registration: If the maximum mortgage is transferred and the maximum mortgage transfer registration is applied before the creditor's rights secured by the maximum mortgage are determined, the transferor and transferee shall submit the following materials: (1) an application for registration; (2) the identity certificate of the applicant; (3) Certificate of ownership of the house; (4) Proof that the creditor's rights secured by the maximum mortgage amount have not been determined; (five) the certificate of mortgage of maximum amount's transfer; (6) Other necessary materials. Before the creditor's rights secured by the maximum mortgage are determined, if the creditor transfers part of the creditor's rights, unless otherwise agreed by the parties, the housing registration agency shall not handle the registration of the maximum mortgage transfer. If the parties agree that the maximum mortgage shall be transferred with the transfer of part of the creditor's rights, they shall register the mortgage transfer in accordance with the provisions of Article 47 of these Measures after the registration of the maximum mortgage is confirmed.