1, online query

If you want to confirm whether the house is mortgaged, you can click on official website, the local real estate bureau, and enter the name of the property owner, property certificate number and other information when inquiring. However, only some cities generally open the online inquiry function. Inquirers must first determine whether their city has opened online inquiry.

2. Inquiries from the Real Estate Bureau

If you want to confirm whether the house is mortgaged, you can bring the original ID card and real estate license to the lobby window or file room of the local real estate administration. Generally speaking, the Housing Authority will record and register the details of individual housing transactions and mortgages in detail.

3. Look at the real estate license

If the purchaser wants to determine whether a suite is mortgaged, he can carefully check the position of the "other rights" column on the real estate license and mark the words mortgage. If it is marked with the word mortgage, he can make a detailed inspection. If it is marked with the word mortgage, he can make a detailed inspection. If there is no mortgage, he can register the mortgage.

When a house is mortgaged, a mortgage stamp is usually affixed to the real estate license to facilitate the distinction. If the owner is unwilling to provide the house title certificate in the house sale, then the house is generally mortgaged, so I suggest you not to buy a house without the house title certificate.

To handle the registration of real estate mortgage, the following documents shall be submitted to the registration authority:

1. Identification certificate or legal person qualification certificate of the mortgagor:

2. Apply for mortgage registration:

3. Mortgage contract:

4. State-owned land use right certificate, house ownership certificate or real estate certificate. * * * Some houses must also submit the house ownership certificate and the proof that other * * * people agree to mortgage:

5. Documents and supporting materials that can prove that the mortgagor has the right to set mortgage:

6. Information that can prove the value of mortgaged real estate:

7. Other documents deemed necessary by the registration authority.

To sum up, after the property mortgage expires, the property mortgage relationship will not be automatically dissolved, and the parties in need of mortgage should go to the original registration authority to change or cancel the mortgage registration within 15 days from the date of change or termination. If the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the mortgagee may agree with the mortgagor to discount the mortgaged property or give priority to compensation with the price of auction or sale of the mortgaged property.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 394

In order to ensure the performance of the debt, if the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, the creditor has the right to be compensated in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Article 395

The following properties that the debtor or a third party has the right to dispose of may be mortgaged:

(a) buildings and other land attachments;

(2) The right to use construction land;

(3) the right to use the sea area;

(4) Production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.