What does it mean when the title deed says it is mortgaged?

This shows that the house has been mortgaged, which means that the house has been set up with a mortgage, but the property is indeed managed by the property owner, and the creditor only takes interest on time and has no right to use the management of the house, as long as the loan is paid off, the property owner recovers the deed, and the mortgage is declared to be terminated, but if the debtor cannot fulfill his obligations and pay off the arrears in time, then the creditor has the right to be repaid according to the mortgaged house.

Materials to be provided for the mortgage of the existing house: real estate mortgage contract, etc.

Materials provided for off-plan mortgage: pre-sale contract for house purchase, etc.

The title deed states that it is mortgaged. There is a loan that has not been repaid. The loan must be repaid at the time of the transaction.

If there is such a word on the title deed, it means that the house has been mortgaged for the mortgage. Such a house cannot be transferred and cannot be transferred during the mortgage period unless the mortgagee agrees.

It means that this real estate certificate has been mortgaged to someone else, which means that the house is not necessarily this person's now, if he mortgages it to someone else is a loan, then the loan will not be paid, and the house will be confiscated

Because your house is still in the mortgage loan, so the house is mortgaged to the bank, and when you repay the mortgage loan, the bank will give you a loan settlement certificate, and then you go to the real estate registration department to relieve the pressure.

The real estate certificate indicates that it has been mortgaged, which means that the loan of your real estate certificate has not been repaid, and it has been mortgaged to the bank, and you cannot re-mortgage it for other things.

Because you bought a house with a loan, there will be the word mortgage on the real estate certificate, you take a loan from the bank to buy a house, and the house is mortgaged to the bank.

Is it in the middle of the right side of the title deed, [specifically. years mortgage to. Bank], that means that the previous buyer made a loan in the bank, and the title deed is now mortgaged to the bank! If you pay back the money, you can take out the real estate certificate!

It is to mortgage the house, and the real estate certificate can be recovered unless the money is returned. If the deadline is overdue, the house will be confiscated.

The house you buy with a loan must be mortgaged to the bank, so if you apply for a real estate certificate, it indicates that it has been mortgaged, which means that your house has been mortgaged to the bank. Yes?

That is, the house has been mortgaged to the bank. He took out a loan with this mortgage.

After the property is mortgaged, there will be the word mortgage on the real estate book, and the real estate certificate has a column of "Summary of Other Rights", which is filled in with the content of the house mortgage (mortgagee, power value, mortgage time, cancellation time, etc.), but this is an old-fashioned real estate certificate. The new type of real estate certificate is to record the time of mortgage and other contents in the "postscript" on the right side of the owner's name of the real estate certificate. On the one hand, the role of mortgage registration is to ensure the security of transactions.

The purpose of establishing the mortgage right itself is to ensure the security of the main creditor's right, and through the legal procedure of registration, it can play a role in checking whether the mortgage is defective, which is conducive to the protection of the mortgagee. On the other hand, China's current law stipulates that mortgage registration is a statutory and essential act, and mortgage is a kind of other right created in the mortgage, and the performance of mortgage registration procedures is a necessary condition for the establishment of a mortgage legal relationship.

Further information: 1. Real estate mortgage loan process: the borrower opens a current deposit account in the bank; Preparation of information on loan requirements; Interview with the bank; Bank filing and approval; After the approval of the bank, the borrower will be notified of the approval result and sign the loan contract with the borrower; Go to the Construction Committee for mortgage registration; The Construction Committee issued other warrants; Handle insurance, notarization and other formalities as appropriate; The bank transfers the loan directly to the account agreed in the contract; The borrower shall repay the principal and interest in accordance with the provisions of the loan contract.

2. According to the laws of our country, the following conditions can be met:

The mortgage applicant has legal status;

The mortgage applicant has a stable economic income, has the ability to repay the principal and interest of the loan, and has no bad credit history;

The mortgage applicant has a legal and valid purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and valid purchase contract, the age of the house must be less than 10 years, and a down payment of not less than 30 of the full price of the purchased house must be prepared or paid;

If the house has been purchased and the mortgage has been handled, the original house mortgage has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the house used as a mortgage has obtained the house ownership certificate, and the house age is less than 10 years;

The mortgage applicant is able to provide a valid guarantee recognized by the lending bank;

Other conditions stipulated by the lender.

It shows that the house has been registered as a mortgage at the real estate office, even if the title deed is in the owner's hands, the mortgage is valid without the consent of the creditor, so it is best not to accept such a house as a mortgage.

According to the provisions of the Guarantee Law, it means that after the establishment of the real estate mortgage relationship, the parties shall register other rights of real estate with the real estate registration authority of the city, district or county according to the real estate registration management authority.

The purpose of establishing a mortgage is to ensure the security and integrity of the principal creditor's rights, and through the legal procedure of registration, it can play a role in checking whether the collateral is defective, which is conducive to the protection of the mortgagee.

On the other hand, China's current law stipulates that mortgage registration is a statutory and essential act, and mortgage is a kind of other right created on the mortgage, and the performance of mortgage registration procedures is a necessary condition for the establishment of the legal relationship of mortgage destruction.

Legal Analysis: This property has been mortgaged. For example, consumer loans and commercial loans are counted. Generally, the loan is made when buying a house, and it is only used as a record to see if the loan has been paid off or cancelled in the memo column or remarks.

Legal basis: Law of the People's Republic of China on the Administration of Urban Real Estate

Article 36 For the transfer or mortgage of real estate, the parties shall handle the registration of ownership in accordance with the provisions of Chapter V of this Law.

Article 62 When real estate is mortgaged, the mortgage registration shall be handled with the department prescribed by the local people's ** at or above the county level. Where land use rights and house ownership are obtained as a result of the disposal of mortgaged real estate, the transfer registration shall be completed in accordance with the provisions of this Chapter.

Do the math how much it will cost you to renovate your home

When it comes to the real estate certificate, I believe everyone is familiar with it, it is the ID card of the house, and it shows the legal right to own the house. However, some friends found that the real estate deed showed the word mortgaged. So how does the title deed show that it is mortgaged?

How to show that the mortgage is on the real estate deed:

Under normal circumstances, the words "mortgaged" will not appear on the real estate certificate, and if the house is mortgaged, the bank will retain other warrants as proofs. In the above situation, the property owner can directly go to the bank or real estate transaction center for inquiry.

What are the precautions for a property mortgage:

1. Whether you have a good credit history.

The mortgage loan is different from other loans, and the bank agrees to auction the mortgaged house to make up for the loss when the borrower is powerless, so when applying for a mortgage, the bank attaches great importance to the borrower's credit history, and it is difficult for people with bad credit to mortgage the property.

2. Whether it is possible to mortgage the real estate in the name of others.

In addition to the mortgage of the property in his own name, the borrower can also mortgage the property in the name of others, but in order to avoid disputes in the later stage, when mortgaging the property of others, it is necessary to obtain the consent of the owner of the house and issue a written consent material. On the contrary, if you have the consent of others and mortgage privately, the bank will not agree to handle it.

3. Whether the mortgaged property has the ability to be realized.

Then apply for a mortgage, the bank also has certain requirements for the mortgaged property, such as the liquidity of the property, whether it is good or not, etc., if the house is old and dilapidated, it is difficult to apply for a mortgage.

4. Whether you have sufficient repayment ability.

Finally, if you want to apply for a mortgage on the property, the borrower also needs to have the ability to repay, and if you can't provide a work certificate or income account to the bank, you can't apply for a mortgage on the house.

Summary: The above is to introduce the relevant content of how to show the mortgage and what are the precautions for the mortgage on the real estate certificate, hoping to help friends in need.

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Summary. Hello, happy to answer your <>

The title deed is marked with a mortgage that says that a mortgage has been set: it indicates that the house has been registered with the real estate office, even if the title deed is in the owner's hands, without the consent of the creditor, the mortgage is valid, so it is best not to accept such a house as a mortgage. This means that the property registered in the title deed is mortgaged.

This may be as collateral for the loan, or it may be in other circumstances (e.g. borrowing money from someone else, and someone else asks the debtor to use the property as collateral to secure repayment). Mortgaged houses cannot be transferred. So don't buy it.

The title deed has a note stating that a mortgage has been set.

Hello, happy to answer your <>

The mortgage has been set on the property ownership deed: it indicates that the house has been registered as a mortgage at the real estate bureau, even if the property ownership certificate is in the hands of the owner, and the mortgage is valid with the consent of the creditor, so it is best not to accept such a house as a mortgage. It means that the property registered in the real estate certificate was quietly detained.

This may be as collateral for the loan, or it may be in other circumstances (e.g. borrowing money from someone else, and someone else asks the debtor to use the property as collateral to secure repayment). Mortgaged houses cannot be transferred. So don't buy it.

Legal basis: Article 394 of the Civil Code of the People's Republic of China If, in order to guarantee the performance of a debt, the debtor or a third party does not transfer the possession of the property and mortgages the property lease to the creditor, and the debtor fails to perform the due debt or the mortgage rights are realized as agreed by the parties, the creditor has the right to be repaid in priority for the property. The debtor or third party provided for in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided for by the guarantee is the mortgaged property.

Article 397 Where a building is mortgaged, the right to use the construction land within the scope occupied by the building shall be mortgaged together. If the right to use the land for construction is mortgaged, the buildings on the land shall be mortgaged together. Where the mortgagor does not mortgage together in accordance with the provisions of the preceding paragraph, the property that has not been mortgaged shall be deemed to be mortgaged together.

Summary. Dear, hello, I am happy to answer for you, the attached note on the real estate certificate says that the mortgage has been set: the real estate certificate indicates that it has been mortgaged, which means that the house has been set up with a mortgage.

That is, the house has been used as security for the performance of a certain debt, and if the debtor fails to repay the debt when due, the creditor has the right to receive priority payment for the sale price of the house.

Hello. I have a title deed and I haven't gone to the property to get it yet.

Today they took pictures and showed them to me.

It says mortgaged.

What does this mean, please.

Dear, hello, I am happy to answer for you, the attached note on the real estate certificate says that the mortgage has been set: the real estate certificate indicates that it has been mortgaged, which means that the house has been set up with a mortgage. That is, the house has been sharpened for several times as a guarantee for the performance of a certain debt, and if the debtor fails to repay the debt when due, the creditor has the right to receive priority repayment for the sale price of the house.

You're taking it as a guarantee.

You're taking out a loan to buy a house, right?

Legal Analysis: It will not be indicated on the title deed.

Legal basis: Article 221 of the Civil Code of the People's Republic of China If a party signs an agreement on the sale and purchase of a house or an agreement on other real estate rights, in order to ensure the realization of real rights in the future, it may apply to the registration authority for advance notice registration in accordance with the agreement. If, after the advance notice is registered, the immovable property is disposed of without the consent of the right holder of the advance notice registration, the real right shall not take effect.

After the advance notice is registered, if the creditor's right is extinguished or the application for registration is not made within 90 days from the date on which the immovable property can be registered, the advance notice registration shall become invalid.