Holding title refers to the legal structure in which title to real property is owned. In the sale of real property, the title must be transferred from the seller to the buyer to convey ownership.
The legal structure under which title is held in real estate can take several forms, each of which has implications on how ownership can be transferred and can affect how they can be financed, improved or used as collateral. The legal owner of a property is said to be “holding title” of that property.