After mortgage loan is used to purchase commercial housing, after mortgage registration, the house ownership certificate is taken over by the purchaser, and the bank holds the house ownership certificate.
Although, even if the bank does not deduct the buyer's real estate license, the buyer can't sell the house. However, whether the real estate license should be mortgaged to the bank after the loan to buy a house depends on the practices of different banks and cannot be generalized.
Extended data
bank loan
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different.
For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
Reference: Baidu Encyclopedia: Loan