In which department is the house mortgaged?

If you want to check whether the house is mortgaged, you can go to the local house property management center to check the files.

There are two main ways to query the mortgage of real estate license:

1, online query. Click on the link of provinces and cities to enter the website of local real estate administrations, and you need to enter the name of the property owner and the number of the property right certificate;

2. Inquiries from the Real Estate Bureau. If you want to inquire about the accurate mortgage information of the real estate license, it includes: 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, etc. , you must bring your personal identification and real estate license to the local housing authority, real estate trading center, housing authority, housing authority, archives or window for enquiry.

Without real estate license, the house can't be mortgaged. With the real estate license, the house can not only guarantee its own rights and interests, but also be used to handle mortgage loans.

legal ground

Article 396 of the Civil Code of People's Republic of China (PRC): Enterprises, individual industrial and commercial households and agricultural producers and operators may mortgage existing and future production equipment, raw materials, semi-finished products and products. If the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the chattel when determining the mortgaged property. Article 398 The right to use the construction land of township enterprises shall not be mortgaged separately. Where buildings such as factories of township enterprises are mortgaged, the right to use the construction land occupied by them shall be mortgaged together. Article 37 The following properties shall not be mortgaged:

(1) Land ownership:

(2) The right to use collectively-owned land, such as cultivated land, homestead, private plots and private hills, except as provided for in Item 5 of Article 34 and Paragraph 3 of Article 36 of this Law;

(3) Educational facilities, medical and health facilities and other public welfare facilities of schools, kindergartens, hospitals and other institutions and social organizations;

(4) Property whose ownership and use right are unknown or controversial;

(5) Property that has been sealed up, detained or supervised according to law;

(six) other property that may not be mortgaged according to law.