Shenzhen-Hong Kong Garden will buy you an existing property right away, and you can get it right away. When applying for Shenzhen-Hong Kong Garden Loan, the bank will not deduct the title certificate, but other certificates, which are part of the land certificate. A normal Shenzhen-Hong Kong Garden House has two certificates, a title certificate and a land certificate. If it is a Shenzhen-Hong Kong Garden loan, you should leave other documents in the bank. If you pay in one lump sum, you will have two complete certificates.

There are two main algorithms for Shenzhen-Hong Kong Garden Housing Maintenance Fund; 1. Calculated by the total purchase price of Shenzhen-Hong Kong Garden: 2% of the total house price; 2. According to the construction area of Shenzhen-Hong Kong Garden. When selling commercial housing in Shenzhen-Hong Kong Garden, the buyer and the seller of Shenzhen-Hong Kong Garden shall sign a maintenance fund payment agreement. Property buyers should pay 2-3% of the purchase price of Shenzhen-Hong Kong Garden to the selling unit and pay the house maintenance fund.

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