How to inquire about the title certificate of the mortgaged house?
1. Online inquiry: If you need to inquire, click on the provincial and municipal links and go to the websites of local real estate administrations to inquire about the real estate license. You need to enter the name of the property owner and the title certificate number (at present, only some areas provide real estate information inquiry).
2. Inquiry of Housing Authority: If you want to inquire about your own property ownership information (including: the name of the owner of the house, the number of the property ownership certificate, the date of registration and approval, the building area, the design purpose of the house, the source of ownership, whether the house is mortgaged, whether it is sealed up, etc.). ), you need to bring your identity certificate and house ownership certificate to the archives or window of the local housing authority (real estate trading center, housing authority, housing management office) to inquire about the house ownership certificate.
How to avoid buying mortgaged property?
1. Verify whether the house is sealed up: In order to avoid purchasing the mortgaged house, the buyer can verify the house information in advance. According to the law, during the transaction, both the seller and the intermediary company are obliged to inform the buyer of the facts and relevant information of the house. Therefore, before buying a house, carefully ask the seller and the intermediary company whether the house is mortgaged, and be sure to let the seller show relevant certificates.
2. Preserving evidence: When buyers and sellers conduct real estate transactions, they should pay attention to preserving relevant evidence. In the process of housing transactions, there will be a lot of evidence. After buying a house, buyers should not throw away these evidences, such as invoices, transfer vouchers, bill stubs, occupancy notices, proof of payment of property heating fees, etc. And try not to pay the house payment in cash that is difficult to verify.
3. Advance notice registration: property buyers should pay attention to buying second-hand houses. In order to safeguard their legitimate rights and interests, they can register their houses in advance when conducting house transactions. The advance notice registration system stipulated in China's Property Law is the preservation system for buyers of affordable housing to realize their property rights smoothly. Once the contract is signed and the advance notice is registered, the seller can no longer set mortgage and register mortgage, nor can he dispose of the house alone, which greatly reduces the risk of the seller maliciously damaging the interests of the buyer.
What's going on here? How to inquire about the title certificate of the mortgaged house? How to avoid buying mortgaged property? If you want to go to mortgage to buy a house, you should know the specific procedures, especially choose a house in a suitable location according to your own economic ability, and also know the surrounding environment of the house, so as to ensure the living conditions of your family.