According to the enquiry of China Travel official website. Real estate mortgage loans can be handled in different places. The real estate mortgage loan needs to be assessed by the company, and then the assessment report is submitted to the bank. On the whole, banks don't accept off-site property mortgage, but applicants can apply for loans from local financial institutions in the name of their spouses or parents where the property is located, but they must meet the conditions. As long as the ownership of the house is clear, it is the property that the debtor or the third party has the right to dispose of, and it does not belong to the property that cannot be mortgaged according to law, it can be mortgaged.