When the certificate of ownership of real estate is inconsistent with the registration of real estate, which one shall prevail?

Before paying the house purchase deposit, Xiao Wu specially asked the seller Laojin to look at the house property certificate, proving that the house area is indeed 80 square meters, and Laojin is indeed the owner of the house. Xiao Wu signed a house purchase contract with Laojin, and agreed to go to the Housing Authority to handle the house transfer formalities seven days later. Xiao Wu and Lao Jin came to the Housing Authority together. When handling, Xiao Wu and Lao Jin were surprised to find that Lao Jin's house was mortgaged by the bank. It turned out that Laojin's son was in urgent need of money for business, so he took Laojin's ID card and other supporting documents, mortgaged Laojin's house and borrowed 200,000 yuan from the bank. Laojin never knew. I found out when I was going to transfer the ownership today. Which one should prevail if the real estate license taken by Laojin is inconsistent with the registration record of the Housing Authority? What should I do with this life example? Authoritative explanation shows that China's real estate registration system has long been a "registration and certification system" for real estate ownership and use rights, that is, real estate rights should be registered in the registration authority according to law, and the registration authority should also issue corresponding real estate ownership certificates. China's real estate ownership certificates are divided into two categories because of the different types of registered real estate rights. The first category is land ownership certificate. For example, land use right certificate, land other rights certificate. The second category is the house ownership certificate. Such as house ownership certificate, house ownership certificate, house ownership certificate, etc. The registration and certification system has been implemented in China for quite a long time. While playing an important role, there are also corresponding problems: due to the existence of the registration and certification system, two documents involving the ownership and content of real estate have appeared in the real estate registration: one is the ownership certificate of real estate, and the other is the real estate registration book. In the process of real estate registration, even if the registration authority conducts real estate ownership registration and issues certificates after strict examination, there will still be cases where the items recorded in the registration book are inconsistent with the real estate ownership certificate. Which document should be taken as the standard to determine the ownership of real estate? Let's analyze it: in China, the departmental regulations define the documentary of real estate ownership as the only legal certificate of real estate ownership. For example, the first paragraph of Article 5 of the current Measures for the Administration of Urban House Ownership Registration stipulates that the house ownership certificate (property title registration) is "the only legal proof that the obligee Hefei owns the house and exercises the right of possession, use, income and disposal of the house." Article 17 of the newly promulgated Property Law denies that the certificate of real estate ownership is the only legal evidence that the obligee enjoys the real estate right, and redefines it as "the proof that the obligee enjoys the real estate right." The reason why the Property Law stipulates this is because the certificate of real estate ownership mainly has two proving functions: first, the certificate of real estate ownership has the function of explaining rights; Second, the certificate of real estate ownership can play a role in proving the completion of registration. The registration authority accepts the application of the parties, and after completing the real estate registration, it issues a certificate of real estate ownership to the obligee, indicating that the registration authority has completed the registration of real estate rights in accordance with the law and the application of the parties. It can be seen that the certificate of real estate ownership does not have the function of expressing real estate rights under any circumstances. In practice, the certificate of real estate ownership only plays a preliminary role in the transaction, and it cannot be used as the final evidence to determine the real estate property right in the event of a dispute. For example, in the process of buying and selling houses, the seller can initially prove that he is the owner of the house by showing the real estate license, and the buyer can also think that the seller enjoys the ownership of the house and make necessary consultations with it.