Look at the real estate license and land certificate, and ask the owner to show the real estate license before knowing whether the house is mortgaged. If the house is mortgaged, the real estate license shall be stamped with the mortgage seal, and the house mortgage and real estate license may be deposited in the bank. Therefore, if the owner is unwilling or unable to provide real estate license and land certificate, then the house is likely to be mortgaged.
Extended data:
Precautions:
The loan policy in each region is different. Generally speaking, the value of the house is compared with the original purchase price and the evaluation price at the time of secondary mortgage, whichever is lower. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%, and the mortgage rate of secondary loans with commercial housing shall not exceed 50%. Of course, the details can be discussed with the lending institution.
The procedures and documents required for secondary mortgage and primary mortgage are basically the same. The legal effect after registration is different in the order of realizing mortgage.
Baidu encyclopedia-real estate license
People's Daily Online-Bank pushes the second mortgage of real estate, which causes concern.