What is his certificate of rights?

The certificate of other rights is issued by the real estate bureau and is usually placed in the bank where you borrow money. Because after you get a loan, the bank gives you a loan, so the house is not entirely yours, and the owner of the house becomes a bank. You have no right to dispose of this house (rent or sell). This certificate is useless if you pay back the money to the bank in full and on time every month according to the requirements of the loan contract. Only if you don't pay, the bank will prove that it has the right to dispose of your house according to this certificate, and will generally entrust an auction company to auction your property. But most banks don't want to auction your house, because it will consume the bank's manpower and material resources and be very troublesome. If you really can't pay back the money, you might as well sell the house and go to the bank to pay back the money, so as not to leave a bad record in the bank.