Ruijin Jiayuan immediately bought you the existing real estate license and will get it soon. If you apply for a loan from Ruijin Jiayuan, the bank will not deduct the title certificate, but other certificates, which are part of the land certificate. A normal Ruijin house has two certificates, a title certificate and a land certificate. If the other certificate is a loan from Ruijin Jiayuan, it should be kept by the bank. If it is a one-time payment, you will have two complete certificates.

Ruijin Jiayuan housing maintenance fund mainly has two algorithms; 1. Calculated by the total purchase price of Ruijin Jiayuan: 2% of the total house price; 2. Calculated according to the construction area of Ruijin Jiayuan. When the commodity housing in Ruijin Jiayuan is sold, the purchaser and the selling unit in Ruijin Jiayuan shall sign a maintenance fund payment agreement. Property buyers should pay the housing maintenance fund to the selling unit according to 2-3% of the purchase price of Ruijin Home.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!