A loan is borrowing money. Why do you need to borrow money? Because when you buy a house, you can't give the money to the developer at once. The money lent by the bank is given to the developer, and you pay it back to the bank every month. When the developer gives you the real estate license, it must be that he has collected all the house payment, and the house certificate is mortgaged and stamped in the bank. At this time, the room card is useless in your hand. Only after the loan is paid off will the bank stamp the release stamp. At this time, your house certificate will be useful and the house will be completely yours.