1, check the property certificate, which is generally indicated on the property certificate of the mortgaged house. 2. Pay a certain fee to the housing management trading center, and you can check the case and print it for the record. 3. The above two points can only be found out whether there is mortgage behavior under normal circumstances. Even if no problems are found, it does not mean that the house is not mortgaged. Because the house information mortgaged in the bank has not been sent to the housing management department, it is impossible to find the above method. 4. Just before paying taxes, you must go to the housing management trading center to check the case and print it for the record. As long as you have this material, even if it is mortgaged in the bank, the certificate of the housing management trading center has not been confirmed. 5. In areas where online signing of second-hand housing transactions has been implemented, housing property rights can be inquired in the intermediary company networking system or the website of the Housing Authority, or can be inquired with the seller at the Housing Authority; In areas where online signing is not implemented, you can only take the seller or the seller's property right co-owner and spouse (one out of three) to the Housing Authority, or the client can issue a certificate of entrustment for inquiry.

Legal basis:

The Supreme People's Court's Interpretation on Several Issues Concerning the Application of the Guarantee Law of People's Republic of China (PRC)

Article 67 During the existence of the mortgage right, if the mortgagor transfers the mortgaged property without notifying the mortgagee or assignee, the mortgagee can still exercise the mortgage right if the mortgaged property has been registered; The transferee who has obtained the ownership of the mortgaged property can pay off all the debts instead of the debtor, and the mortgage right is extinguished. After paying off the debt, the transferee may claim compensation from the mortgagor. If the mortgaged property is not registered, the mortgage right shall not confront the transferee, and if losses are caused to the mortgagee, the mortgagor shall be liable for compensation.

Article 69 If the debtor has more than one ordinary creditor, and when paying off the debt, the debtor maliciously colludes with one of the creditors to mortgage all or part of his property to the creditor, thus losing the ability to perform other debts and harming the legitimate rights and interests of other creditors, the injured creditors may request the people's court to cancel the mortgage.