After the mortgage, the Housing Authority will issue a Certificate of Other Rights and register it in the real estate license (indicating who the house is mortgaged to. What is the certificate number of other rights mortgaged?

Banks accept other rights certificates, but not property certificates.

You still have the title certificate. But at this time, you can't go through the formalities of property right change such as transfer, that is, you can't trade (of course, you can't sell the money you owe).

After the loan is paid off, the bank will issue relevant certificates, and then go to the Housing Authority (you or the bank) to cancel his certificate of rights. At this time, the house really belongs to you.

There are also some banks that do not follow the rules and insist on doing his right certificate and property certificate together. Well, it's hard to say that banks are relatively strong and ordinary customers won't care too much. The general loan is paid off, the mortgage is lifted and handed over to the customer. It's useless for him to take it.

Anyway, it doesn't matter who has the real estate license. The loan has not been settled, and the house is not entirely yours.

I hope I can help you! The answer comes from: Baidu real estate exchange group, so stay tuned!