Beautiful Garden (Huangjiang) will buy you the existing real estate license immediately, and you can get it right away. If you apply for a loan from Landscape Architecture (Huangjiang), the bank will not deduct the title certificate, but another title certificate, which is part of the land certificate. A normal house in Scenic Garden (Huangjiang) has two certificates, the real estate certificate and the land certificate. If other property certificates are loans for landscape architecture (Huangjiang), they should be kept by banks. If it is a one-time payment, you will have two complete certificates.
Beautiful Garden (Huangjiang) is a house bought by mortgage. You can find a loan company to handle it. Because if the house bought in Meijing Garden (Huangjiang) is mortgaged in the bank, the bank will not accept the second mortgage. Only after the house bought in Meijing Garden (Huangjiang) is mortgaged can it apply for the second mortgage.
The above information is for reference only. If you have a better answer, please fill it in. If you have any other questions, you can ask them in the Q&A section in the first half. Or contact a broker to answer them. I hope I can help you and wish you a happy purchase!