Many property buyers will choose to mortgage the real estate license to the bank for mortgage loan to buy a house, thus alleviating their financial pressure on buying a house. So how do you check whether the real estate license has been mortgaged? Let's take a look at Bian Xiao's introduction.

How to check whether the real estate license has been mortgaged?

1. If the property buyers are formally mortgaged, that is, the real estate license is mortgaged to the commercial bank or the housing provident fund management office, then everyone needs to go to the local housing authority to go through the mortgage registration procedures and then renew the house ownership certificate, otherwise they will not be able to obtain a loan. These are all recorded in detail in the Housing Authority.

2. Whether the real estate license has been mortgaged is public information, and anyone can inquire. If you want to check whether the real estate license has been mortgaged, you can go to the local housing authority to check whether the real estate license has been mortgaged. Inquirers should bring their own ID cards and provide the specific address on the real estate license, so as to check whether the real estate license has been mortgaged.

3. The real estate license information that buyers can inquire at the local housing authority specifically includes: the owner's name, 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, whether it is sealed up, etc.

4. If you want to check whether the real estate license has been mortgaged, you can also log in to the websites of local real estate administrations to check. When inquiring, you need to enter the name of the house owner and the number of the property right certificate, but at present, only some areas provide online inquiry of property right information.

If the house has real estate license, buyers can not only guarantee their legitimate rights and interests, but also apply for mortgage loans. In the future, no matter whether the buyer is doing business or doing something else, he can use the real estate license to borrow money. If there is no real estate license, then buyers can't apply for mortgage loans.

6. According to the relevant provisions of Article 41 of the Guarantee Law of People's Republic of China (PRC), if a buyer applies for a mortgage loan with a real estate license, he shall register the mortgaged property with the local housing authority, and the mortgage contract shall take effect from the date of registration.

The above is a detailed introduction on how to inquire whether the real estate license has been mortgaged, hoping to help everyone. Whether the real estate license has been mortgaged is public information, and anyone can inquire. If you want to check whether the real estate license is mortgaged, you can go to the local housing authority to check.

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