1. Preparation before mortgage registration. Usually, after the contract is signed, the lawyer will express the real estate mortgage loan contract, the bank's power of attorney (the bank entrusts the mortgagor or law firm to handle the mortgage registration and obtain the Shanghai Real Estate Mortgage Registration Certificate) and the Shanghai Real Estate Registration Application (mortgage) to the bank for seal, and the authorized signatory will sign or seal it; After that, the bank will express the stamped materials together with the mortgage registration materials, including the bank business license (original/copy) stamped with the official seal, the financial license and the copy of the legal representative's identity certificate to the law firm.

2. The real estate trading centers in all districts and counties of this Municipality accept the registration of real estate mortgage according to the location of mortgaged real estate. At this stage, because each real estate trading center has its own operation process, the requirements for mortgage registration are only slightly different in details. For first-hand existing houses or second-hand houses, real estate mortgage registration must be handled at the same time as ownership transfer registration; For auction houses, the advance notice mortgage registration of pre-sold commercial houses can be handled together with the advance notice registration after the advance notice registration certificate is issued. When going through the mortgage registration formalities, the borrower/mortgagor shall bring the Shanghai property ownership certificate, identity documents (if some of the rights holders are minor children, parents shall bring birth certificates or household registration books, and 16 years old or older shall bring identity cards) and the original power of attorney (if any).

3. The password of the property right certificate. The real estate trading center will automatically load an initial password certificate for each property right certificate after September 2006 1; For the real estate license handled before September 1 2006, the owner of the house can apply for the encryption of the real estate license at the real estate trading center where the house is located. Therefore, there are also cases where the owner (second-hand house)/borrower/mortgagor can't handle the mortgage registration on the same day due to reasons such as forgetting the password. In this case, you must wait for the password to be found or reissued (the deadline is 15 days) before going through the formalities. Although this situation is rare, lawyers need to remind clients in advance.

4. Obtain the certificate (the mortgage registration period is 7 days). Generally, on the seventh day after mortgage registration (excluding the date of acceptance), the mortgagor or the lawyer entrusted by the mortgagor will show his identity certificate and power of attorney (if any; Most real estate trading centers entrusted afterwards must notarize the original power of attorney and receipt before they can receive the Shanghai real estate ownership certificate and Shanghai real estate registration certificate (mortgage of other rights) and other documents.