His certificate of rights means that you need to mortgage the house to the bank with this house. At this time, the real estate transaction department will issue a certificate of other rights to the bank, which will indicate the mortgage amount. If the swindler does not pay back the money, the bank will apply to the court for enforcement according to the mortgage amount on the certificate of rights. Generally speaking, regular banks give loans at a discount of 30% of the appraised value of houses, but some guarantee companies have a large loan amount, which can be 65,438+000%. But it is hard to say what the estimated value is, which may be lower than the market transaction price or higher than the market transaction price.

So it still depends on the mortgage amount on his property certificate. If you can't get his property right certificate in the bank, you can take the original property right certificate and the owner's ID card to the local real estate trading center for inquiry.