Because it takes the same time to get the property right certificate when you buy a house with a loan as when you get the property right certificate with a one-time payment, only one more "other property right certificate" is placed in the bank.

According to the Administrative Measures for the Pre-sale of Urban Commercial Housing, the purchaser of the pre-sale contract shall apply for the real estate license within 90 days from the date of delivery of the commercial housing, and the purchaser of the existing house shall apply for the real estate license within 90 days from the date of signing the sales contract.