If the house has been completed when the house sales contract is signed, the property right certificate shall be completed within 90 days from the date of signing the contract. If the house is not completed when the house sales contract is signed, the property right certificate shall be handled 90 days after the house is delivered for use. According to the relevant provisions of the Measures for the Administration of Urban Housing Ownership Registration of the Ministry of Construction, newly-built houses shall apply for initial registration of housing ownership within three months after the completion of the houses; The buyer and the seller shall apply for transfer registration of the purchased house within 30 days. When buying a house through a bank mortgage loan, the purchaser shall sign a mortgage contract and a loan contract with the bank. After the relevant certificates such as property rights are completed, the housing management department will register the house and issue a certificate of other rights to prove that the house has been mortgaged to the bank and the bank has the mortgage right of the house. Usually, the bank will have a special institution to register the mortgage, and the completed certificate of other rights will be handed over to the bank, and then the purchaser can get back the real estate license, but the real estate license will indicate that the loan has not been paid off and be stamped with the mortgage registration stamp. After all the loans are paid off, the buyers need to go to the Housing Authority to register the change with the loan settlement certificate issued by the bank, and cancel the mortgage and other rights certificates at the same time.
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