2. Buyers can check the location of "other rights" on the real estate license. If the house has been mortgaged, register the column of "Other Rights".
3. Buyers can also cooperate with sellers and bring their ID cards and real estate licenses directly to the window of the Real Estate Administration. Buyers can also log in to official website, the real estate administration where the house is located.
In general, you can find out whether there is mortgage behavior. Even if no problems are found, it does not mean that the house is not mortgaged. This is because the information of the house mortgaged in the bank has not been sent to the housing management department. So some situations can't be found by the above methods.
The practice of insurance is stipulated in the sales contract, if the property cannot be transferred normally due to mortgage and other acts. Because once there is any problem, the purchase contract is the legal basis for safeguarding rights.
What if I buy a mortgaged house?
1. If the mortgagor fails to inform the mortgagee or assignee, the transfer is invalid.
2. When concluding the commercial housing sales contract, the seller deliberately concealed the fact that the house he sold had been mortgaged, resulting in the contract being invalid or being revoked or dissolved. The buyer may demand the return of the paid house purchase price, interest and compensation for losses, and may also demand the seller to bear the compensation liability of not more than twice the paid house purchase price.
Buying a mortgage house is very risky for consumers, so when buying a house, you must be cautious enough. Consult relevant departments in advance and carefully check relevant documents; When signing the contract, in view of the possible risks, we should agree on the relevant treatment methods in order to buy a house without any disputes.