You have to deduct it. For mortgage loans with real estate license, before lending, in order to control risks (customers repeatedly mortgage loans with real estate license, etc. ), the bank must keep the real estate license in storage, and recover the real estate license with the repayment certificate after the loan is paid off. Article 36 of the Measures for the Administration of Urban Real Estate Mortgage does not require the consent of the first mortgagee, but it shall fulfill the obligation to inform the second mortgagee. However, in the actual mortgage process, if the first mortgage contract requires the consent of the first mortgagee, it must be observed in accordance with the contract. At the same time, the second mortgagee must be informed of the mortgage loan, otherwise, the mortgagee has the right to request the mortgagor to stop its loan behavior according to relevant regulations.
Legal objectivity:
Article 32 of the Measures for the Administration of Urban Real Estate Mortgage shall submit the following documents to the registration authority for the registration of real estate mortgage: (1) the identity certificate or legal person qualification certificate of the mortgagor; (2) An application for mortgage registration; (3) mortgage contract; (4) State-owned land use right certificate, house ownership certificate or real estate ownership certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted; (5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage; (6) Information that can prove the value of the mortgaged real estate; (7) Other documents deemed necessary by the registration authority.