in the case of buying a house with a commercial loan, the bank will register the mortgage on the house ownership certificate. This means that the borrower can only obtain full ownership of the house after paying off all the commercial loans. In the case that the commercial loan has not been paid off, the bank will add a mortgage note to the house ownership certificate, indicating that the house has been mortgaged as the collateral for the commercial loan.

The mortgage note is an important reminder and warning for borrowers, indicating that they need to pay off their commercial loans as soon as possible to avoid risks. At the same time, mortgage notes also have a certain impact on other potential buyers. Houses with mortgage notes for some reasons have certain risks and uncertainties, which need to be considered more carefully. If the borrower has completely paid off all the commercial loans, then he can apply to the relevant departments to remove the mortgage note.