The registration of real estate mortgage requires the owner to sign the title certificate, and a notarized power of attorney is required if it cannot be present. Mortgage registration must use the original real estate license. The copy of the real estate license you mentioned is for the bank to see, and it is an information collection of your property status, not a mortgage loan, but a credit loan. As you said, if the assets you provide are in good condition, the loan amount will be even larger.