may not. First of all, when dealing with mortgage loan of bank house property certificate, the person with name on the house property certificate must apply for loan. If married, both husband and wife must be present. If not, a notarized power of attorney must be issued.
 In addition, the relevant personnel related to the property interests must go out with the original ID card when going through the mortgage formalities. The original ID card corresponds to the information on the property card before going through the mortgage registration formalities in the property registration department.
 [Legal Basis]
 Article 208 of the Civil Code states that the establishment, alteration, transfer and extinction of the real right of immovable property shall be registered in accordance with the law. The establishment and transfer of the real right of a chattel shall be delivered in accordance with the law.