The bank will give you a loan based on a certain proportion of the current housing price, such as 70, and its credit assets are at a safe level, but the housing price will rise or fall. If it falls by more than 30, And you can't repay the loan at this time. Even if the bank asks the court to auction the house, he still loses money. Therefore, a certain proportion of the buffer interval is a means for banks to control risks.

If the real estate certificate is in the hands of the customer, the customer may mortgage the property for a second time. In this way, the bank's buffer range is gone and the risk is greatly increased. Therefore, the bank's pledge of your real estate certificate is a means of controlling risks. This means that even if you don’t repay the loan, the bank is not afraid of you.

If you are afraid that the certificate will be seized by the intermediary instead of being held by the bank, it is easy. Just call the loan bank and ask whether the certificate is held. If not, your ID may be illegally used by the intermediary.