The house with the loan has a real estate certificate, because according to the laws of our country, no matter what method the home buyer uses to buy the house, the developer should obtain the real estate certificate within the specified time, but the house with the loan is in After applying for the real estate certificate, you need to go to the bank to go through the mortgage registration procedures.

When taking a loan to buy a house, is the property certificate mortgaged with the bank?

In fact, whether the real estate certificate used to buy a house with a loan is mortgaged in the bank must be subject to the regulations of the loan application bank. Because different banks have different regulations, some banks require a real estate certificate, but some banks give the real estate certificate back to the borrower, so it cannot be generalized.

However, whether it is the bank or the borrower who holds the real estate certificate and applies for a loan from the bank, the mortgage registration procedures have been completed at the registration department. During the loan repayment period, it is in a state of custody and has not been repaid. Neither the bank nor the registration department will release the mortgage before the loan is granted.

When can I get the real estate certificate when I take a loan to buy a house?

Nowadays, most banks hold the real estate certificate to the real estate bureau to apply for mortgage after the real estate certificate is issued. Register and stamp the mortgage registration seal in the "Setting Other Rights" column in the real estate certificate and return the original real estate certificate to the lender. Some banks proactively reimburse property ownership certificates, while others require lenders to apply for reimbursement. Wait until then to cancel the mortgage registration. Some banks still use the method of retaining the original title certificate until the loan is repaid. The specifics also depend on how the contract is listed, and the procedures should be performed in accordance with the contract.