Housing ownership certificates are issued by the Housing Authority when handling mortgage loans.

The other right of real estate refers to the rights of other groups or individuals except the property owner and the owner, usually refers to the mortgage, and the certificate of other right is held by the other right holder.

1. Apply for a mortgage loan from a bank, and the real estate license should be mortgaged to the bank, but the real estate license is managed by the housing management department, that is, the real estate license is mortgaged to the housing management department.

2. The housing management department will issue a certificate of other rights to the bank, and the lender will pay off the loan, then go to the bank for settlement, and then take the certificate of other rights to the housing management department to get the real estate license.

Extended data:

(1) Basis for handling affairs

People's Republic of China (PRC) City Real Estate Management Law; Measures for the administration of urban housing ownership registration; Land Management Law of the People's Republic of China

(2) Description of transaction processing

Where the application for registration of real estate mortgage with exclusive parcels is made, the applicant shall be both parties to the mortgage contract.

To apply for real estate mortgage registration, the following conditions must be met:

1, application;

2, the applicant's identity certificate (check the original and copy);

3. Property ownership certificate, land use certificate or real estate license (original temporary storage);

4. The main contract of mortgage guarantee;

5. Mortgage contract.