Hello, coordinate Guiyang, Honeycomb Loan to answer how to inquire whether the property is mortgaged.

Online inquiry: click on the link of this province and city to enter the websites of local real estate administrations, and you need to enter the name of the property owner and the title certificate number.

Inquiry of Real Estate Bureau: If you want to inquire about accurate mortgage information of real estate license (including: the name of the owner of the house, the title certificate number, the date of registration and approval, the building area, the design purpose of the house, the source of rights, whether the house is mortgaged, etc. ), you must bring your personal identification and real estate license to the archives or window of the local housing authority (real estate trading center, housing authority, housing authority) for inquiry.

How to check the mortgage

Mortgage inquiry can be conducted in the following ways:

1. You can directly enter the issuing bank official website, find personal online banking, log in to the personal online banking system, and use the functions of account inquiry and customer service. If you want to have more and better services, you can apply for online banking shield at the outlet and upgrade to an online banking signing customer. In addition to the services of ordinary customers, contracted customers can also enjoy various forms of transfer and remittance, payment, wealth management, personal loans and other services;

2. Telephone inquiry: Telephone inquiry is more convenient. You can directly call the customer service hotline of CCB 96633, follow the voice prompts and enter the relevant ID number for inquiry.

3. Inquire about the business hall, directly in the business hall of CCB. When inquiring, you need to bring your personal ID card and mortgage bank card for staff to inquire.

4.APP query. Now many banks and some lending institutions have their own apps. Click Query directly and check their loans through the app.

5. Contact the account manager. When applying for a loan, there will usually be an account manager to negotiate. Applicants can also consult the account manager directly if they have any questions.

Housing mortgage loan conditions are as follows:

1, with valid ID card and proof of marital status;

2. Good credit record and willingness to repay;

3. Stable income;

4, the purchase of commercial housing sales contract or letter of intent;

5. Have the ability to pay the down payment of the purchased house;

6. Open a personal settlement account in a bank with effective guarantee.

Buying a house with a loan requires the following procedures:

1. When choosing a real estate, buyers should further confirm whether the real estate developed and built by the developer is supported by the bank to ensure a smooth mortgage loan;

2. Apply for a mortgage loan. After confirming that the property you choose has bank mortgage support, buyers should know about the bank's regulations on mortgage support for buyers, prepare relevant legal documents and fill in the mortgage application form;

3. Signing a contract: the bank receives the legal documents related to the mortgage application submitted by the buyers, and after examining and confirming that the buyers meet the mortgage loan conditions, it issues a loan consent notice or mortgage loan to the buyers;

4. Sign a house mortgage contract. When signing a house purchase contract, the buyer signs a house mortgage contract with the developer and the bank with the relevant legal documents stipulated by the bank, specifying the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan;

5, mortgage registration, insurance buyers, developers and banks with the "housing mortgage loan contract" and the purchase contract to the real estate management department for mortgage registration;

6. Open a special repayment account. According to the contract, the buyer opens a special repayment account in a financial institution designated by the bank, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.

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How to check the mortgage of the house

If users want to check whether the house is mortgaged, they can check the property ownership certificate. Generally, mortgaged houses will be stamped with the mortgage seal in the "other rights" column of the real estate license. If it is not mortgaged, then this column is empty.

At the same time, if the house is my own, you can bring your ID card and real estate license and go to the local housing authority to inquire. If you are dealing with the real estate owner, you can bring the purchase contract, my ID card and other information to the Housing Authority for enquiry.

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This concludes the introduction on how to check the mortgage loan and how to check the progress of the mortgage loan. I wonder if you have found the information you need?