If you buy an auction house, you will get the real estate license when you hand over the house. Developers or companies selling real estate will tell you when they hand over the house. Generally, it takes 1~2 years from the start of construction to the delivery of the house, and you can get the real estate license.
If you apply for a loan, the bank will not deduct the title certificate but other certificates, which are part of the land certificate. A normal house has two certificates, the title certificate and the land certificate, and the other certificate is part of the land certificate. If you borrow money, you should deposit it in the bank. If you pay in one lump sum, you will have two complete certificates.
A house with a loan can't be traded, because his warrant is in the bank, so the transaction needs to pay off the bank loan.
As long as you have a real estate license, the general household registration management office has regulations, such as how much area you need, and you can apply for naturalization after getting a real estate license for a few years. You can consult the local household registration management office.