Problem : 7 years loan was about to pay off , excuse me everybody , at that time , the bank mortgages my building wants to see sign necessarily right now , besides , whether should building development business also remove in the guaranty 3 years april 8 ( already owned building property right now card ) 问题： 07年贷款就要还清了，请问大家，这时候，银行抵押我的房屋此时必然要解押，除此之外，房屋开发商在03年4月8日的抵押是否也应该解除（此时已拥有房屋所有权证） ？
Estate of classics of building buyers and sellers trades after the branch deals with formalities of business transfer ownership , buyer should hold estate to trade the house property that the branch sends sells a contract , deal with move of building property right to register by following regulation , explain get building fee card 房屋买卖双方经房地产交易部门办理买卖过户手续后，买方应持房地产交易部门发给的房产卖契，按下列规定办理房屋产权转移登记，申领房屋所有权证。
Can divide the following circumstance to deal with respectively : ( 1 ) the building droit that belongs to company of estate of former special zone to be issued on behalf of the government card , need attestation of bourse of new peak of deep room group , dealing with when registering , divide outside referring original of property right card , still should refer original of book of the original contract that buy a house 可分以下情况分别办理： （ 1 ）属于原特区房地产公司代表政府颁发的房屋所有权证，需到深房集团新峰交易所认证，在办理登记时除提交产权证原件外，还应提交原购房合同书原件。
Specific for ought to accomplish : ( 1 ) donative person and suffer give a person to conclude about the written contract book with donative building , namely donative book ; ( 2 ) donative person by former building droit card , donative book , basis " agree tax is temporary byelaw " the regulation pays agree tax , card of the agree that get ; ( 3 ) donative person gets building pay give a person 具体来说应当做到： （ 1 ）赠与人与受赠人订立关于房屋赠与的书面合同书，即赠与书； （ 2 ）赠与人凭原房屋所有权证、赠与书，根据《契税暂行条例》规定交纳契税，领取契证； （ 3 ）赠与人将房屋交付受赠人。
If have , lose need to be in " shenzhen special zone signs up for " or " shenzhen business signs up for " carry lost property notice , issue recognizance book , change to the estate seat branch that register next get " estate card " ; ( 2 ) belong to location of property right of former shekou industrial district to issue " building droit card " , need to be held first former " building droit card " check to company of estate of shekou industrial district affirm , hold next " building droit card " reach the original document that buy a house to register a branch to change to estate seat get " estate card " ; ( 3 ) those who belong to former town house to be in charge of bureau hair " building droit card " must investigate land use first lawful , if land is lawful or although illegimate but had handled , can change to the estate seat branch that register get " estate card " ; illegimate and without processing , must not change testimony 若有遗失则需在《深圳特区报》或《深圳商报》刊登遗失声明，并出具具结书，然后到房地产所在地登记部门换领《房地产证》 ； （ 2 ）属原蛇口工业区产权处所颁发的《房屋所有权证》 ，需先持原《房屋所有权证》到蛇口工业区房地产公司核实确认，然后持《房屋所有权证》及原购房文件到房地产所在地登记部门换领《房地产证》 ； （ 3 ）属于原市房管局发的《房屋所有权证》必须先审查土地使用权是否合法，如土地合法或虽不合法但已经处理的，可到房地产所在地登记部门换领《房地产证》 ；不合法且未经处理的，不得换证。
Basis " beijing already bought public housing to appear on the market offer executive way " regulation , change cost price to buy the town dweller of public housing according to the room , can according to in those days the room changes cost price 1 % fill after making gold of land sell one ' s own things or land profit , to the building room of land of place area , county is in charge of bureau application to handle property of commodity room house card 根据《北京市已购公有住房上市出售实施办法》的规定，按照房改成本价购买公有住房的城镇居民，可以按照当年房改成本价的1 %补交土地出让金或土地收益后，向房屋所在区、县国土房管局申请办理商品房房屋所有权证。
Every did not deal with property right to register droit of the building that get card and already produced property right to transfer the current situation to change , but the building that did not deal with move change , in all droit does not get state law protection , adverse have buying and selling , trade , give write , analyse is produced and exchange , must not rebuild and extend 凡未办理产权登记领取房屋所有权证及已发生产权转移现状变更，但未办理转移变更的房屋，共所有权不受国家法律保护，不利进行买卖、交换、赠写、析产和调换，不得改建和扩建。
Development business registers mechanism to apply for building droit to building administration in 3 months after building building complete initiative register , apply for to acquire building property namely card , should refer file of the proof that use the land or land to use complete of licence , construction permit , building to check and accept data and material of other and relevant proof 开发商在新建房屋竣工后3个月向房屋行政登记机关申请房屋所有权初始登记，即申请取得房屋所有权证，并应提交用地证实文件或土地使用许可证、施工许可证、房屋竣工验收资料以及其他相关证实材料。
