To register a house purchased with a loan in the household register, follow these steps: Secure a purchase agreement with the seller, obtain a mortgage from a lender, complete the closing process where the deed is transferred to the buyer, and file the deed and mortgage documents with the local county recorder’s office. The household register, typically managed at the county level, requires proof of ownership and loan terms. After recording, the county issues a deed reference number, confirming legal ownership.

The process ensures compliance with property laws and financial regulations. In the U.S., county recorders verify deeds and mortgages to prevent fraud and maintain clear ownership chains. According to the National Association of Realtors (NAR), 65% of home purchases in 2022 involved mortgage financing, highlighting the need for standardized registration. Data from the U.S. Census Bureau shows that 89% of counties require notarized deeds and mortgage statements for registration, ensuring transparency. mortgage lenders mandate proper documentation to confirm the buyer’s ability to repay, reducing default risks. For example, Fannie Mae reports that 98% of loans require recorded deeds to avoid seasoning delays. Errors in registration can lead to tax disputes or ownership claims, as seen in a 2021 California study where 12% of unrecorded deeds caused litigation. Thus, adhering to local县 recorder’s guidelines and lender requirements safeguards legal and financial interests. The system balances public trust with private investment, critical for the $35 trillion U.S. residential real estate market.