How to check whether the property is mortgaged?
First of all, enter the official website of the local housing authority on the webpage, and after entering the main page, fill in the name and room number of the property owner for mortgage inquiry; However, little information can be learned by this method. If you want more accurate information, you should take the relevant documents to the Housing Authority for inquiry, so that the information you get will be more accurate and detailed.
1. Ownership certificate and joint ownership certificate are documents issued by local departments of the state according to laws and regulations and their own functions and powers to prove the ownership of housing rights. According to the law, only the parties themselves or entrust others (notarized power of attorney is required) can inquire about the real estate license under their own names, and no one else can inquire about it except the law.
2. The certificate of other rights of real estate refers to the mortgage of other units or individuals except the property owner and co-owner, and the certificate of other rights held by other rights holders. According to the law, only the parties themselves or others (with notarized power of attorney) can make inquiries.
3. The obligee can bring his identity certificate (notarized power of attorney is required for entrusted inquiry) to the real estate archives section of the housing management department for inquiry. Due to the exchange of old and new house ownership certificates, some old house ownership certificates can only be found by querying the original registration files. Or go to the real estate department's real estate acceptance section or the trading hall to inquire.
4. Public security departments, courts, procuratorates and other judicial departments can carry judicial documents to the above places at any time to inquire, seal up and consult the property information files and files of the parties involved because of the need of judicial handling.
How much can a mortgage loan have?
1. The amount of mortgage loan is related to many factors, such as the age of the house, the age of the borrower, the liquidity and liquidity of the real estate, etc. In short, all these will affect the evaluation of real estate and the loan ratio. The higher the assessed value of real estate and loans, the more money you can borrow. The appraised value of real estate and the loan ratio will affect the loan amount of the house.
2. Calculation formula of housing mortgage loan amount: loan amount = loan percentage of real estate appraisal value.
3. The age of real estate has become the audit standard for many banks to issue loans. Under normal circumstances, the older the house, the smaller the room for housing preservation, the lower the proportion of approved loans, and may even be unable to obtain loans. For remote and small houses, the loan ratio is usually low. Because of its remote location, small area and poor liquidity, the loan ratio is low, and it may even be impossible to obtain a loan.
Generally speaking, there is no fixed amount of mortgage loan. Generally speaking, it depends on the appraised price of the house. This evaluation price is not what you think, and it must be evaluated by a professional organization.
5. It depends on the specific situation of your house, such as year and region. , property rights issues and so on. Occasionally I will look at your personal conditions, such as repayment ability and personal credit limit.
How to check whether the real estate is mortgaged has been introduced to you above, and how much money can be borrowed for the real estate mortgage should also be known. Real estate mortgage is a convenient loan method, and the overall process operation is relatively simple. As long as the house is your own and relevant materials are provided, it is easier to apply for a loan at the bank. How much money you can borrow depends on your house information and personal situation.