Commercial housing loans do not require a mortgage property certificate. Generally speaking, it is the other person's warrant that is deposited in the bank, and the lender can hold the real estate certificate to handle related matters without being affected. However, after the other person's warrant is deposited in the bank, it cannot be transferred. It needs to wait until the mortgage is repaid. Just go through the process of undoing the deposit.

How to apply for a real estate certificate for commercial housing with loans

1. Make sure the developer has carried out initial registration

The developer's initial registration is a necessary prerequisite for applying for a real estate certificate. . According to the provisions of Article 34 of the "Regulations on the Administration of Sales of Commercial Houses", real estate development enterprises shall, within 60 days from the date of delivery of commercial houses for use, submit the information they need to register the ownership of the houses to the real estate administrative department where the houses are located.

2. Go to the management department to collect and fill out the "House (Land) Ownership Registration Application Form"

After filling in the application form, the developer's signature and seal are required. Some developers will have ready-made stamped forms in their hands. All you need to do is go to the developer to pick them up and fill them out.

3. Get the surveying drawing (table)

Since the surveying and mapping sheet is an important basis for the registration department to determine the area marked on the real estate certificate, it is one of the necessary materials.

4. Receive relevant documents

When asking the relevant departments earlier, be sure to clarify which necessary application documents need to be obtained and complete them at once. These documents include house purchase contracts, house settlement statements, copies of real estate certificates, etc. The completed application form needs to be reviewed and stamped by the developer.

5. Pay public house maintenance funds and deed taxes

Public house maintenance funds are generally collected by the community office in the area where the property is located. Some cities have begun to collect public house maintenance funds on their behalf by banks. ***Maintenance fund, please ask the developer's staff for payment methods.

6. Submit application materials

Including the following:

(1) Stamped application form;

(2) House sales contract;

(3) Confirmation of house number, measured area of ??the house and housing price settlement from the buyer and seller who signed the pre-sale contract;

(4) Surveying and mapping form, house registration Two copies of table and household floor plan;

(5) Special receipt for special maintenance funds;

(6) Certificate of deed tax payment or tax exemption;

(7 )Proof of identity of the home buyer (copy to verify the original);

(8)*** some of the houses submitted*** have an agreement;

(9) Early loan repayment from the bank prove.

7. Collect the real estate certificate according to the specified time

Be sure to keep the notice of receiving the certificate given by the management department, and collect the real estate certificate according to the time notified above.