Customers can check the mortgage of their houses through the website of the local Housing Security and Real Estate Administration. After entering the website, you need to enter the name of the property owner and the title certificate number to inquire about your own house mortgage. This method is relatively simple and convenient, but there may be some differences in query methods in different regions. Taking Changsha as an example, the query method is as follows:

Inquiring through WeChat official account In order to facilitate customers to inquire about the mortgage of their houses, some areas can also make inquiries on WeChat official account. Taking Changsha as an example, customers can check their real estate and mortgage through the official WeChat account registered by Changsha Real Estate. The specific operation process is as follows:

Click "Service Hall", and then select the service hall to enter relevant procedures.

Click "Information Query" and the system will automatically enter the next interface.

Click "online file search" to confirm that you have read the four reading instructions, then click "I have read and agreed" and then proceed to the next step.

Face verification, after verification, you can check the properties under your name and whether these properties have been mortgaged.

Through the above two ways, customers can clearly understand whether their house is in a mortgage state, thus helping them solve their problems.

Second, the possible impact of the house being mortgaged

If the house is mortgaged, it may have the following effects:

Unable to handle the transfer: the mortgaged property does not belong to the customer in a strict sense, and the customer cannot handle the house transfer procedures. If you want to transfer ownership, you must first remove the mortgage of the house and obtain complete property rights.

Risk of being disposed of: If the customer applies for mortgage loan and mortgages the house to the lending institution, as long as the customer repays the loan normally, there will be no impact. However, if the customer fails to repay the loan within the time limit, the lending institution may dispose of the property mortgaged by the customer. At this point, customers may suffer greater economic losses.

The above content is about the online inquiry method of housing mortgage status and the introduction of the possible impact of mortgage. Customers can choose the appropriate inquiry method according to their actual situation and handle the mortgage problem cautiously.