1. What is the house ownership certificate? The house ownership certificate is only available to those who borrow money to buy a house. For example, if we borrow money from a bank to buy a house, then the house ownership certificate is in the bank, and all we have is the real estate license and the land certificate. And when we pay off the loan, the other warrants of the house will be automatically cancelled, and its function is that the house cannot be listed and traded before the loan is paid off, that is, before the cancellation. It is impossible to transfer ownership. Houses that cannot pass through households cannot be protected by law. The house can only be listed and traded after it is clear that the loan has been cancelled by the relevant departments. 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 right, and the other right certificate is held by the other right holder. When purchasing a general house, when choosing a mortgage loan, there will be a record of the contents of other rights in the house title certificate, indicating the owner of other rights, the type of rights (such as pawning right and mortgage right), the scope of rights (the house scope of other rights), the value of rights (the lease price of other rights), the duration of rights (the lease term) and the date of cancellation (the date when other rights disappear), and in the certificate of other rights, According to the guarantee law, the real estate is mortgaged, that is, the right to dispose of the real estate is restricted, and legal transactions cannot be carried out without the consent of the mortgagee, and relevant procedures such as property right transfer cannot be handled. This certificate shall be governed by laws (taking Hangzhou as an example for reference in other regions), Urban Real Estate Management Law, Civil Code (implemented since January 1, 221), Regulations on the Administration of Urban Housing Property Registration in Zhejiang Province, and Measures for Housing Registration. 2. The house ownership certificate shall be handled by both the mortgagor and the mortgagee with ID cards (the business license and official seal provided by the unit). Original and photocopy of the real estate license (* * * with certificate) (the old real estate license before 28 was not registered * * * and marriage certificate is required for anyone), loan contract, mortgage contract, real estate assessment report or confirmation of real estate value, and fill in the application for real estate mortgage registration at the housing authority under its jurisdiction and go through the mortgage registration procedures. After the approval and handling, the Housing Authority will issue other warrants to the mortgagee. The mortgage registration fee is charged at the time of handling, and it is charged according to the different mortgage registration fees of commercial houses and residential houses and the local standards. The implementation standards vary from place to place. Please consult the Housing Authority where the house is located for the exact amount. Iii. Certificates are required for other house warrants: mortgagor's ID card, proof of husband-wife relationship (marriage certificate or household registration book is unmarried if not married), loan mortgage contract, real estate mortgage application form, real estate license, land certificate, house appraisal report, or agreement on the value of mortgaged valuables, and power of attorney with legal effect. Documents required for cancellation: the applicant's ID card, the application form for cancellation of other rights, the certificate of other rights, the bank repayment statement, and the power of attorney entrusted to hold my ID card and have legal effect. He is still relatively important. We must pay attention to these things when buying a house. Whether or not a house is becoming more and more important to us now, we should also know about these knowledge, which can be used when we buy a house. Legal objectivity:

Article 34 of the Measures for the Administration of Urban Real Estate Mortgage stipulates that if the real estate is mortgaged with the house ownership certificate obtained according to law, the registration authority shall record his other rights on the original house ownership certificate, and the mortgagor shall take it over. And issue the house ownership certificate to the mortgagor.