There are two main ways to inquire about the mortgage of real estate license: 1 and online inquiry. Click on the links of provinces and cities to enter the websites of local real estate administrations, and you need to enter the name of the property owner and the title certificate number. 2. Inquiries from the Real Estate Bureau. If you want to check the accurate mortgage information of the real estate license (including: the name of the house owner, the title certificate number, the date of registration and approval, the building area, the design purpose of the house, the source of rights, whether the house is mortgaged, whether it is sealed up, etc.). ), you must bring your personal identification and real estate license to the archives or window of the local housing authority (real estate trading center, housing authority, housing authority) for inquiry. A house can't be mortgaged without a real estate license, so if you buy a house without a real estate license, it is recommended to buy it carefully. A house with a real estate license can not only guarantee its own rights and interests, but also be used to apply for a mortgage loan. In the future, whether it is doing business or doing other things, it can be used for loans. Article 395 of the Civil Code The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.
Legal objectivity:
I. Several types of houses with special supplementary contents (1) If the supplementary column of the house ownership certificate indicates the content of "single property right", the parties to the mortgage (including the mortgagee and the mortgagor) shall jointly issue a letter of commitment, which shall include: "Once the mortgage right is realized, the mortgaged house will be disposed of as a whole." (two) for the stock mortgage business, all of the housing in the column marked "affordable housing", will not be accepted. (III) When handling the mortgage business of stock houses, if the contents of "reformed houses" and "anjufang" are marked in the attached column of the house ownership certificate, it is necessary to first review whether the houses meet the listing and trading conditions of reformed houses and anjufang (unmarried workers under 35 years old and houses that have lived for less than 5 years are not allowed to be listed). Do not meet the conditions, will not be accepted; If it meets the requirements, the parties to the mortgage (including the mortgagee and the mortgagor) shall jointly issue a letter of commitment, and the contents of the letter of commitment shall include: "Once the mortgage is realized, the relevant fees will be paid in accordance with the relevant provisions of the listing transaction". (4) When handling the mortgage business of stock houses, if the attached column of the house ownership certificate indicates "rural to multi-storey apartment", the mortgage can be handled, but the parties to the mortgage (including the mortgagee and the mortgagor) must jointly issue a letter of commitment, which should include: "Once the mortgage is realized, the relevant fees shall be paid according to the relevant provisions of the listing transaction". Houses marked as "rural-to-non-supporting public houses" in the supplementary column of the Property Ownership Certificate shall be listed according to the spirit of document 2005130 February. Municipal Party Committee Office [2007] 16No. Hang Zhengban [2007] 17No. "Incomplete land transfer procedures and approval will not be accepted. (5) If the land certificate or land ownership search certificate indicates "planned as a road" and "planned as a green space", the parties to the mortgage (including the mortgagee and the mortgagor) shall jointly issue a commitment, which includes: "In case of planning adjustment during the mortgage period, they will unconditionally obey." Land certificate or land ownership search certificate indicating "not transferable within n years" will not be accepted. (VI) When handling the mortgage business of stock houses, the contents of "farmer's market" are marked in the column attached to the house ownership certificate, or in the process of verification, if it is found that the original planning approved the construction of "farmer's market" and "vegetable market" and other properties for mortgage, the mortgage parties (including the mortgagee and mortgagor) shall issue a letter of commitment, which shall include "planning to build it into a farmer's market (vegetable market) to realize. (7) If the house ownership certificate has been handled in the name of an individual, but it is marked as "military housing reform house", the certificate of consent to mortgage issued by the military real estate management department where the property is located shall be provided when the mortgage registration is handled. (eight) the property attached to the property certificate as "collective dormitory" and "community supporting housing" will not be accepted. (nine) there are other restrictions on the listing in the supplementary notes of the house ownership certificate, which must be implemented in accordance with the relevant provisions. 2. The mortgagor and the mortgagee can simultaneously issue a promise for the files with inconsistent use nature between the property ownership certificate and the land ownership certificate: "Both parties know that the property ownership certificate of the house is inconsistent with the use nature on the land ownership certificate, and now the mortgage is set with the use nature of ×× (residential or non-residential), and both parties will bear all economic and legal responsibilities in case of disputes arising from the inconsistent use nature in the future", and then go through the mortgage registration procedures. Three. The validity period of land ownership certificate search is: from the date of issuance 15 days. 4. According to the Measures for the Administration of Urban Real Estate Mortgage, the mortgage parties shall apply for mortgage registration within 30 days from the date of signing the contract, and will not be accepted beyond this time limit. Five, according to the information submitted by the parties to the mortgage, the mortgage contract and other materials show that the collateral has been leased, and the mortgage registration shall provide the opinions issued by the lessee to agree to the mortgage. According to the spirit of the letter [2005] 166, if the property on the industrial land is registered as mortgage, the mortgagor shall submit the ownership certificate of all the properties on the land together, and our center will add a note in the postscript column of the ownership certificate: "The property located in * * * * is on the same industrial land and needs to be transferred together. "It shall be handled separately in accordance with the following provisions: (1) All the mortgaged properties on the same industrial land (not mortgaged) shall be mortgaged to the same mortgagee, and the mortgage shall not be divided. The parties to the mortgage issue a promise, which should include: "Once the mortgage right is realized, the property on the land will be disposed of together and transferred as a whole". (2) If the real estate on the same industrial land (mortgaged in the past) is mortgaged in part or in whole, all parties (including the original mortgagee, the current mortgagee and the mortgagor) shall issue a letter of commitment, which shall include: "Once the mortgage is realized, the real estate on the land will be disposed of together and transferred as a whole. "And report to the central office meeting for discussion. (three) the real estate on the same industrial land must be cancelled at the same time. 7. When handling the mortgage business of stock houses, if the house ownership certificate is collective land, it shall be handled according to the following provisions: (1) If the real estate applies for the mortgage of stock houses or the mortgage of projects under construction for the first time, it shall not be handled. (2) If the real estate has been registered as a mortgage, and now it is applied for mortgage change, it shall be handled, but the window shall inform the applicant when accepting the business, and no new mortgage registration will be handled after the mortgage is cancelled. 8. The relevant provisions on mortgage registration of construction in progress of non-commercial housing projects are as follows: (1) Mortgage of construction in progress of non-commercial housing projects refers to the act that the land use right obtained by the mortgagor in a legal way, together with the investment assets of construction in progress, is mortgaged to the loan bank as a guarantee for repayment of loans. (2) The following non-commercial housing projects under construction shall not be mortgaged: 1, which is a transitional building or a temporary building; 2. Property rights are sealed up or restricted according to law; 3, schools, hospitals, kindergartens and other public institutions, social organizations, educational facilities, medical and health facilities and other social welfare facilities; 4, the planning department has completed the acceptance; 5 by the real estate registration agency staff on-site inspection, the project has been completed or put into use; 6. Other circumstances in which mortgage is prohibited by laws and regulations. (three) the same non-commercial housing project under construction shall not set more than two (including) mortgages. (4) If two or more non-commodity housing projects under construction have the same mortgage, they shall be regarded as the same collateral; During the existence of the mortgage, the * * * it undertakes is inseparable from the guarantee obligation. Unless otherwise agreed by the parties to the mortgage. (5) Non-commercial housing projects under construction shall be mortgaged according to the actually built part (calculated according to the area recorded in the forecast drawing book), and the unfinished batch construction part shall not be mortgaged. (6) If an enterprise with an operating period mortgages all its non-commodity housing projects under construction, the performance period of the secured debt shall not exceed the operating period of the enterprise. (7) If a mortgage is set for a non-commodity housing project under construction with a land use term, the performance period of the secured debt shall not exceed the use period specified in the land use right. (8) If the project under construction of non-commercial housing is mortgaged, the mortgage cancellation procedures for the project under construction shall be handled when applying for the initial registration of ownership. (9) Non-commercial housing projects under construction apply for mortgage change (such as the change of collateral value, the change of mortgage term, etc.). ), the scope of collateral shall not exceed the original mortgage scope. (10) The parties to the mortgage must handle the mortgage registration with the following documents and certificates within 30 days from the date of signing the mortgage contract: 1, mortgage registration application form; 2, the construction project planning permit (including the appended drawings) original; 3 copy of the state-owned land use certificate (proofread the original, the type of land use right is "transfer"); 4. Original land search certificate; 5. Original mortgage contract; 6. Original loan contract; 7. A copy of the mortgagor's qualification certificate (proofreading the original); 8, real estate surveying and mapping departments issued by the forecast results; 9, the original construction permit; 10, copy of project approval (proofreading the original); 1 1, the certification materials of the audit firm's evaluation on the operation of project funds; 12, the document that the superior competent department agrees to mortgage or the resolution document of shareholders (board of directors); 13. Documents and materials deemed necessary by the registration authority.