Xifa Garden immediately bought you the existing real estate license and will get it soon. If you apply for a loan from Xifa Garden, the bank will not deduct the title certificate but other title certificates, which are part of the land certificate. A normal Xifa garden house has two certificates, a title certificate and a land certificate. If the other title certificate is a loan from Xifa Garden, you can give it to the bank for safekeeping. If you pay in one lump sum, you will have two complete certificates.

There are two main algorithms for Xifa Garden House Maintenance Fund; 1. Calculated according to the total purchase price of Xifa Garden: 2% of the total house price; 2. Calculated according to the construction area of Xifa Garden. When selling commercial housing in Xifa Garden, the purchaser and the sales unit of Xifa Garden shall sign a maintenance fund payment agreement. Property buyers should pay 2-3% of the purchase price of Xifa Garden to the selling unit and pay the housing maintenance fund.

The above information is for reference only. I hope I can help you!