Apply for a real estate certificate: The rule is that within 90 days after you take possession of the house, you must present your ID card, household registration booklet, marriage certificate, house purchase contract, and payment receipt to the housing management department where the house belongs to apply for payment of deed tax and maintenance funds. With the tax payment certificate, you can apply for a loan.

The real estate certificate can be obtained within 7-15 working days if the procedures are complete.

You can handle it yourself, or you can entrust the developer to handle it on your behalf.

It mainly depends on the terms of the sales contract.