Property mortgage loan, whether the property right should be taken to the bank depends on the situation. 1. If you apply for a mortgage loan in a bank, it depends on the local mortgage department. In some cities, the mortgage department will take back the original real estate license, then issue a mortgage certificate to the bank, and then go to the mortgage department to cancel the mortgage when repaying, and then return the original. In addition, some city mortgage departments will not accept the original real estate license, but will indicate in the remarks column of the original that the property has been mortgaged to a bank on a certain day, and the original will be returned to you, and a certificate of other rights will be issued to the bank. 2. If you take a private financing loan, the private financing creditor will generally take it to the mortgage department for mortgage procedures before lending it to you, which is the same as the bank's procedure. I believe that private financing loans will not only collect your real estate license without going through the mortgage registration procedures, but also report the loss of the real estate license, and only collect the real estate license without going through the relevant registration procedures, so there is no priority to dispose of the mortgaged property.

legal ground

Article 56 of the Measures for Housing Registration

Before the creditor's rights secured by the maximum mortgage are determined, the maximum mortgage is transferred and the maximum mortgage transfer registration is applied. The transferor and the 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.