Legal analysis: Even if a house is bought with a loan, the buyer can get the real estate license, and the time for handling the real estate license will generally be reflected in the purchase contract signed by the buyer. Under normal circumstances, the title certificate should be handled within three months after the delivery of the house, and the purchase of existing houses or second-hand houses should be handled within three months after the signing of the contract. However, for Lala, a homebuyer who bought a house with a loan, if the mortgage business is handled after buying a house, most banks will register the mortgage with the real estate license after it is issued.

Legal Basis: Interpretation of the Higher People's Court on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts Article 18 If the buyer fails to obtain the certificate of ownership of the house at the expiration of the following time limits due to the seller's reasons, the seller shall be liable for breach of contract unless otherwise agreed by the parties: (1) The time limit for handling the registration of housing rights as stipulated in the commercial housing sales contract; (two) the subject matter of the commercial housing sales contract is the unfinished house, 90 days from the date of delivery of the house; (3) The subject matter of the commercial housing sales contract is the completed house, which is 90 days from the date of conclusion of the contract.

Article 585 (3) of the General Principles of Civil Law of People's Republic of China (PRC), if the parties delay to perform the agreed liquidated damages, the breaching party shall also perform the provisions of the debt after paying the liquidated damages. As for the liquidated damages for overdue handling of real estate license, it is punitive, because the defaulting party should continue to perform the obligation of issuing the certificate after paying the liquidated damages.