You can apply for a real estate certificate for a house with a mortgage. The details are as follows:

1. Under normal circumstances, you can apply for a real estate certificate for a mortgaged house. The home buyer signs a security guarantee contract for the sale and remortgage of a house and pays a down payment of 30% of the house price. After getting a confirmation letter from the bank agreeing to repay, the home buyer applies for a loan. After the seller receives the money, he cancels the loan contract and registers the mortgage with the original lending bank. Complete the transfer and obtain a mortgage from the buyer's loan bank. In the end, the buyer's loan bank transfers 30% of the down payment to the seller;

2. According to relevant laws and regulations, when applying for real estate registration, the applicant should fill in the registration application form and submit proof of identity and Relevant application materials. Original application materials should be provided. If the original cannot be provided due to special circumstances, a copy can be provided, and the copy should be consistent with the original.

Legal basis:

Article 43 of the "City Real Estate Management Law of the People's Republic of China"

Obtaining land use rights by transfer , after the real estate is transferred, the useful life of its land use rights shall be the remaining years after the original land use rights transfer contract has stipulated in the original land use rights transfer contract minus the original land user's years of use.

Article 44

If the land use right is obtained by transfer, after the real estate is transferred, if the transferee changes the land use specified in the original land use right transfer contract, he must obtain With the consent of the original transferor and the urban planning administrative department of the municipal or county people's government, an agreement to change the land use rights transfer contract or a new land use rights transfer contract shall be signed, and the land use rights transfer fee shall be adjusted accordingly.