Legal Analysis: Because you are mortgage to buy a house, "mortgage" has two meanings: real estate mortgage and installment repayment. It refers to a loan method in which a bank issues a purchase of owner-occupied housing to a natural person with full capacity for civil conduct, and repays the loan with the property house purchased by him as a mortgage, and repays the principal and interest of the loan on a monthly basis. And if you don't apply for the property right certificate, the bank can't go through the mortgage formalities, that is to say, the bank's money has been given to the seller, but the bank can't go through the mortgage formalities and protect its own interests. So you will be asked to apply for a property certificate.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.
Article 210 The registration of immovable property shall be handled by the registration institution where the immovable property is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.