When buying a second-hand house, how to identify whether the house is mortgaged or sealed up?

Mr. Zeng in Beijing recently considered bidding farewell to renting a house and wanted to buy a second-hand house in Chaoyang District. He once heard a friend say that in the process of buying a house, whether the property right of the house is clearly related to the transaction safety is one of the most important issues. For example, in the previous TV series "Anjia", there was a plot that the seized house was "pitted", and the house mortgaged many times was a big "trap".

In this regard, Mr. Zeng asked the Beijing News reporter, what will be the impact of buying a sealed house or a mortgaged house? How to identify whether there are such problems in the house you want to buy, so as not to step on the "pit"?

Answer:

To buy a second-hand house, you really need to confirm the ownership information of the house first, especially whether it has been mortgaged or sealed up. Generally speaking, the risk of mortgaged houses is relatively small, and it is mainly necessary to pay attention to whether the houses are mortgaged many times; The sealed house is a "taboo" for buyers. Once the seized house is bought carelessly, it may be "empty of money".

According to real estate professionals in wheat fields, it is not surprising that "the house is mortgaged" in second-hand housing transactions, because many property buyers will choose bank loans when buying a house. In addition to bank loans, there will be personal mortgages and corporate mortgages.

In this regard, the most important thing is to determine whether the owner can lift the mortgage, because if the mortgage cannot be lifted, the transfer procedures will not be handled normally, and even some mortgages will have the consequences of the house being sealed up if the owner cannot lift it.

Once the house is sealed up, it can no longer handle the real estate transaction business, and its restrictions are far more harmful than mortgage. If you accidentally buy a sealed house, the signed sales contract will generally be deemed invalid by the court.

Then, how should ordinary buyers like Mr. Zeng identify whether the house is mortgaged or sealed up when buying a house? Wheat field real estate professionals pointed out that for property buyers, it is actually "confirmation" to identify whether the purchased house is mortgaged or sealed up. There are two main methods of operation: First, you can confirm the purchased house through Beijing Tong-Real Estate Inquiry, and provide information such as the specific location of the real estate and the number of the property ownership certificate for retrieval; Second, you can go directly to the real estate registration center in the area where the house is located to confirm the house.

Yang proofread Li Ming, editor of Beijing News.

Image source Beijing news material picture