During the mortgage repayment period, the ownership of the house belongs to the bank, but the right to use it belongs to the mortgagor. Before the loan is paid off, it can only live or rent, and cannot be mortgaged or transferred. The real estate license of the mortgaged house is not in the bank, but in the hands of the mortgagor. However, after the loan, the Land and Resources Bureau will issue a certificate of other rights to the bank for safekeeping, and register your real estate license as mortgage, so that the real estate license can be taken away by the mortgagor. "Other rights certificate" refers to the right certificate issued by the housing management department and held by the mortgagee after the registration of other rights.

1. Housing ownership is an absolute right, that is, the right holder can directly realize his power without the help of other people's positive behavior. In addition, housing ownership can be mortgaged, but not pledged, because according to the principle of statutory property rights, only negotiable securities such as bills, stocks and shares, as well as intellectual property rights and general creditor's rights can be pledged. (1), the object of house ownership is a house that has a certain structure and can be used, not just the materials that make up the house. Materials that have not formed houses or demolished houses cannot be the object of house ownership. (B) separation of housing ownership and land use rights. When the house ownership changes, the land use right will also change, and vice versa. (3) The separation of ownership and use right is widely practiced in state-owned houses. The state enjoys ownership, and state-owned enterprises, institutions and other organizations enjoy the right to use. The ownership of the house can be transferred, but it is limited by the transfer of land use rights.

2. House ownership, also known as house property right, is the exclusive right of the owner to all his houses. Housing owners can exclude the interference of others within the scope prescribed by law and enjoy the right to possess, use, benefit and dispose of all their houses. State ownership, collective ownership and individual ownership of houses coexist at the same time and are equally protected by the Constitution and laws.

3. The right to use the house refers to the public house directly managed by the lessee. The right to use the house is the actual right to use the house. Through a certain legal contract, the non-owner of the house can also obtain the right to use the house, for example, the owner rents the house to others for use.