Can I check the mortgage online?

The mortgage of the house can't be inquired online. Whether the house is mortgaged or not, whether in the bank or online, there is no way to find out, because even if the house is mortgaged, as long as the mortgaged money is paid back, the real estate license can be re-applied. So the mortgage of the house can't be found online or in the bank. If you want to know about the mortgage of the house, you must go to the local real estate registration center or the local housing authority in your city to make an inquiry. When inquiring, you can call the local housing authority or the real estate registration center to find out the information you need to prepare, and then bring the information on the spot.

What's the mortgage interest rate? The interest rate of housing mortgage loan is not fixed, which mainly depends on the loan term and loan method. The basic interest rate is 4.75% if the loan is less than 5 years, and 4.95% if the loan is more than 5 years. Generally speaking, the domestic mortgage interest rate has actually dropped a lot since 2022. If you want to apply for a mortgage loan, you can consult the corresponding lending institutions first, and the loan interest rates given by different lending institutions will also have some differences. You can compare yourself first, and then choose the lowest interest rate to go through the formalities. There are still many preferential policies.

What are the risks of mortgage to individuals? If the real estate is mortgaged to an individual, there will be the risk of lease right confrontation, the risk of mortgage registration right, some risks brought by the nature of land and the risk of land use change. If you want to mortgage real estate, you should choose a formal lending institution, such as applying for a loan from a bank.

The above is about whether the mortgage situation can be queried online. Generally, it can be queried online. Log in directly to official website, the local housing authority, and then fill in the owner's name and version number on the main page, and you can query the information.