Take the house property ownership certificate number or the original property ownership certificate and check it on the machine at the automatic inquiry counter in the service hall of the local real estate registration and trading center; enter the property ownership certificate number and click to check the mortgage registration status. If there is If it is mortgaged, it will show the mortgaged status; if it is unsecured, it will show the unsecured status.
How to identify whether the house is mortgaged or seized when buying a second-hand house?
1. Check whether there is a real estate certificate or real estate certificate. This is very important. If the house is mortgaged, the landlord cannot produce this certificate;
2. Look carefully. It is very important to check whether the house information on the real estate certificate is the same as the house you are looking at, because if you don’t check it clearly, the house you bought may not be yours when the contract is signed.
3. If the landlord shows you the real estate certificate and negotiates on the price, then you should sign the house purchase agreement and pay the deposit. When signing the agreement, you must read clearly what is written on the agreement. Whether the condition of the house is the same as the actual situation, if there is no problem, you can sign it; before paying the deposit, if you are not sure whether the real estate certificate is genuine, then you have two ways to make sure; first, bring the house purchase contract and A copy of the landlord’s ID card and the number of the property ownership certificate can be obtained from the municipal housing authority. Second, just ask the landlord to bring the property book with you to check on the spot.
How to deal with mortgage loans for second-hand house sales?
1. Review the loan and mortgage agreement. If a second-hand house buyer wants to apply for a home purchase loan, the lawyer entrusted by the buyer should assist the buyer in reviewing the relevant loan conditions and documents, and signing relevant housing provident fund loans, commercial loans or combinations. Loan agreement, mortgage agreement.
2. Review guarantees and insurance agreements. Loan banks generally require buyers to provide housing loan guarantee company guarantees for provident fund loans and insurance company insurance for commercial loans. The buyer's lawyer should assist the buyer in reviewing relevant documents, guide the buyer in signing the guarantee agreement and insurance agreement, and check the guarantee fee and insurance premium according to relevant regulations.
3. Restrictions on Provident Fund Loans When applying for housing provident fund loans, lawyers should remind: The houses purchased by the borrower (buyer) are limited to houses with ownership rights on state-owned land in this city, and should be used for personal residence of the family. .
4. Non-residential housing loans Non-residential housing can only apply for bank commercial loans. The specific loan conditions, amount, term, and interest rate can be determined through negotiation with the specific lending bank.
5. What to do if the buyer of a second-hand house has a mortgage loan on the house. If the buyer has fully paid off the loan and canceled the mortgage registration or has no loan mortgage, the buyer can directly apply for a loan.
How long does it take to get a real estate mortgage loan?
The details of bank real estate mortgage loans are different for each bank, and the time usually takes about 15-20 days. If it is a new house mortgage, the maximum loan period cannot exceed 30 years; if it is a second-hand house mortgage, it cannot exceed 20 years. When calculating the loan term, borrowers should confirm the repayment term based on their repayment ability to avoid repayment pressure. What everyone needs to pay attention to is that when applying for a house mortgage loan, the house provided by the borrower must meet the bank's mortgage loan requirements. If the borrower's house does not meet the bank's mortgage loan conditions, it will not be accepted.