According to the regulations, if you buy a house by mortgage, you should register the house mortgage after the property right registration. As the mortgagee, the bank will obtain the ownership certificate of the house. Therefore, after the registration of real estate mortgage, the house ownership certificate is taken over by the house purchaser, and the bank holds the house ownership certificate.

Introduction to mortgage:

1, also known as mortgage loan. Mortgage means that the buyer fills in an application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to issue loans to the buyer after passing the examination, and handle real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

2. 20 165438+20031October 24th, the latest survey data shows that according to the sampling data of 10,1-1. 2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. A staff member of a branch in Chaoyang District of Industrial Bank said that the current notice of the branch is that the interest rate of the first home loan is likely to rise 10% on the basis of the benchmark. "The interest rates of other branches are not clear."

3. Participants in mortgage loans include commercial banks that provide credit funds, buyers who eventually purchase real estate and real estate owners (including developers/second-hand housing owners), and also need to participate in loan applications together with appraisal companies and mortgage guarantee companies.

4. According to the statistical data released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, by the end of 20 10, the utilization rate of mortgage loans has reached a high level in major first-tier cities in China. In terms of mortgage loan for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents use their own names or relatives' properties to apply for mortgage loans for real estate consumption. "Mortgage" has become a way of life closely related to residents' lives.