Taking Heilongjiang as an example, according to Article 6 of the Detailed Rules for the Implementation of Measures for the Administration of Urban Real Estate Mortgage in Heilongjiang Province, real estate mortgage should follow the principles of voluntariness, mutual benefit, fairness, honesty and credibility. Legal protection of legally set real estate mortgage. The provincial construction administrative department is responsible for the centralized management of urban real estate mortgage management within the administrative area of this province.

If two or more real estates have the same mortgage, they are regarded as the same mortgaged real estate, and the * * * they undertake is inseparable from the guarantee obligations during the mortgage relationship. Unless otherwise agreed by the parties to the mortgage. If several mortgages are set on the same real estate, it shall be regarded as divided mortgages, and the sum of mortgage debts shall not exceed the assessed value of the real estate.

Extended data:

Provisions on relevant requirements of urban real estate mortgage:

1. If the mortgagee requests to mortgage real estate insurance, or requests to restrict the mortgagor from renting or transferring the mortgaged real estate, or changes the use of the mortgaged real estate after the real estate is mortgaged, the mortgagor shall specify it in the mortgage contract.

2. If the mortgagor agrees to insure the mortgaged real estate, the mortgagor shall insure the mortgaged real estate, and the insurance premium shall be borne by the mortgagor. If the mortgaged real estate is insured, the mortgagor shall transfer the insurance policy to the mortgagee for safekeeping. During the mortgage period, the mortgagee is the first beneficiary of insurance compensation.

3. Both parties to the mortgage shall, within 30 days from the date of signing the mortgage contract, go to the real estate management department where the real estate is located for mortgage registration and obtain the certificate of real estate ownership. The real estate mortgage contract shall take effect from the date of registration.

Luobei County People's Government-Detailed Rules for the Implementation of Measures for the Administration of Urban Real Estate Mortgage in Heilongjiang Province