I bought a house with a loan in Baotou City, Inner Mongolia. I would like to ask if the house equity will be distributed to me after it is obtained or if it will be mortgaged in the bank.

You hold the house book yourself, but there will be corresponding information about the low mortgage payment on the house book. During this period, you will not be able to conduct any transactions on this house. After you have repaid the loan in full, the property rights will completely belong to you. If you go to the housing management bureau to cancel your housing, they will not give you a new housing book. They will just stamp a cancellation stamp on it.

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