Legal analysis: Yes. The owner of the house as collateral can be the borrower himself or other people. However, if the borrower uses other people's real estate license to mortgage the loan, the mortgagor must issue a letter of commitment to allow the borrower to use the real estate license to handle the mortgage loan, and at the same time, the mortgagor's spouse or all property owners need to sign a letter of commitment.

Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.