Legal analysis: mortgaged houses can apply for real estate licenses. Process of handling the certificate of immovable property right for mortgaged houses:

1. Confirm that the developer has registered initially;

2, to the competent department to receive and fill in the form;

3. Receiving surveying and mapping forms;

4. Pay the public maintenance fund and deed tax;

5, housing sales contracts, housing measured area and house price settlement confirmation, surveying and mapping table, housing registration form and two households plan, special maintenance funds special receipt; Deed tax payment or tax exemption certificate, as well as the buyer's ID card, the joint submission agreement of the house and the bank's prepayment certificate.

Legal basis: Article 60 of People's Republic of China (PRC) Urban Real Estate Management Law. The state practices a system of registration and certification of land use rights and house ownership.