Loan to buy a house has a property certificate.
 The real estate transfer party will, within 90 days after the signing of the real estate transfer contract, hold the real estate ownership certificate, the legal certificate of the party, the transfer contract and other documents to apply to the real estate management department in the place where the real estate is located. The real estate management department will review the documents provided and issue the real estate ownership certificate if it meets the conditions.
 Article 7 of the Provisions on the Administration of Urban Real Estate Transfer stipulates that the transfer of real estate shall be handled in accordance with the following procedures:
 （1） The parties to the real estate transfer sign a written transfer contract;
 （2） Within 90 days after the signing of the real estate transfer contract, the real estate transfer party shall apply to the local real estate management department with the real estate ownership certificate, the legal certificate of the party, the transfer contract and other relevant documents, and declare the transaction price;
 （3） The real estate management department shall review the relevant documents provided and make a written reply on whether to accept the application within 7 days. If no written reply is made within 7 days, it shall be deemed that it agrees to accept the application;
 （4） The real estate management department shall verify the declared transaction price, and conduct on-site survey and evaluation of the transferred real estate as required;
 （5） The parties to the real estate transfer shall pay the relevant taxes according to the regulations;
 （6） The real estate management department shall go through the housing ownership registration procedures and issue the real estate ownership certificate.
 Legal basis
 Article 32 of the Measures for the Administration of Urban Real Estate Mortgage (2001 Amendment) shall submit the following documents to the registration authority for real estate mortgage registration:
 （1） The identity certificate or legal person qualification certificate of the mortgage party;
 （2） Application for mortgage registration;
 （3） Mortgage contract;
 （4） The State owned Land Use Right Certificate, the House Ownership Certificate or the Real Estate Ownership Certificate. For the jointly owned houses, the House Co ownership Certificate and the certificate of other co owners' consent to mortgage must also be submitted;
 （5） Documents and supporting materials that can prove that the mortgagor has the right to set mortgage;
 （6） Materials that can prove the value of the mortgaged real estate;
 （7） Other documents deemed necessary by the registration authority.
 Article 34 of the Measures for the Administration of Urban Real Estate Mortgage (2001 Amendment), if the real estate is mortgaged with the housing ownership certificate obtained according to law, the registration authority shall record other rights on the original Housing Ownership Certificate, and then the mortgagor shall take possession of it. The mortgagor shall be issued with the House Ownership Certificate.
 Where the pre-sale commercial housing or the project under construction is mortgaged, the registration authority shall record it in the mortgage contract. If the mortgaged real estate is completed during the mortgage period, the party concerned shall re register the real estate mortgage after the mortgagor obtains the real estate ownership certificate.