Usually at the bank. Some banks return the property ownership certificate automatically, and some banks return it at the request of the borrower. The pawn registration will be canceled after the loan is repaid. Some banks still retain the original property ownership certificate until the loan is repaid.

Information required to apply for a mortgage loan:

1. Original and 3 copies of the identity cards and household registration of the applicant and the spouse (if the applicant and the spouse do not belong to the same household Proof of marriage relationship must be attached separately).

2. Original house purchase agreement.

3. An original and a copy of the prepayment receipt for a room price of RMB 30 or more.

4. Documents proving the applicant’s family income and relevant assets, including salary slips, personal income tax returns, income certificates issued by the unit, bank deposit certificates, etc.

5. One copy of the developer’s payment account number.

When can I get the real estate certificate for buying a house with a loan?

1. The time to get the real estate certificate. If the contract does not stipulate that the house is purchased off-plan, it should be within three months after the house is delivered. Apply for certificate.

2. If you purchase an existing house or a second-hand house, you must apply for the certificate within three months after the contract is signed.

3. Buying a house with a mortgage follows the regulations of the "Regulations on the Management of Real Estate Development and Operation" and the "Measures for the Pre-Sale Management of Urban Commercial Housing".

4. The buyer of a house under a pre-sale contract shall apply for a real estate certificate within 90 days from the date of delivery of the commercial house.

5. Purchasers of existing houses must apply for a real estate certificate within 90 days from the date of signing the sales contract.

6. The time to obtain the real estate certificate for buying a house with a mortgage first depends on the contract signed between you and the developer. The processing of the real estate certificate shall first be subject to the contract.

7. You need to check how this is stipulated in the contract. If the processing time specified in the contract is exceeded, the developer should bear the relevant liability for breach of contract.