Bank loans should be mortgaged to buy a house. If the mortgagor mortgages the house, he shall go through the mortgage registration; Without registration, it will not take effect, and the mortgage will be established at the time of registration. Housing mortgage registration procedures should be handled in the real estate ownership department where the house is located.

legal ground

Article 395 of the Civil Code of People's Republic of China (PRC)

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph together.

Article 402

Where the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5 is mortgaged, the mortgage registration shall be handled. The mortgage is established at the time of registration.