If you are looking for mortgages , we want to help you make the purchase of your home as simple and satisfactory as possible. That is why, in this post we will tell you what a simple note is, what it is used for and how to know if a house is mortgaged based on that registry document.
Buying a home is a moment that generates a mixture of excitement and uncertainty in future owners . In addition to the happiness that comes with finding the house of your dreams, there are also understandable concerns about not having any unforeseen events during the administrative process that this operation entails. One of these concerns is usually related to the possible charges of the home, especially when buying a second-hand apartment. However, knowing whether a house is mortgaged online or has charges is quite simple .
The simple registry note
Learning how to know if a house is mortgaged, there is an essential document for the process. The simple note, as explained by the College of Property Registrars, is “a succinct extract of the content of the entries relating to the property, where the identification of the same is recorded; the identity of the owner or owners of the rights registered on it; the extension, nature and limitations of these; and the prohibitions or restrictions that affect the owners or registered rights”.
It is, therefore, a summary in which we can corroborate the most relevant data of the property (dimensions, boundaries, current owner...) and check that the property has no charges, liens or limitations on its use (such as the existence of a mortgage or being subject to usufruct, for example).
Therefore, before closing any contract on a flat or house, it is advisable that you request this document and confirm that the information you have on the property matches its legal reality , thus avoiding unpleasant surprises in the future.
How to know if a house is mortgaged on the internet
Obtaining a simple note for a property is a very simple procedure that can actually be carried out online , from anywhere and at any time. There is no need to have a special connection with the property in question, but anyone can request this document regarding a property.
The first step is to access the Property Registry website and click on the online procedures section. Among the different services offered by this institution, you should select the item 'Simple note of a property' and register as a new user by following a registration form.
Once you have completed your personal information on the platform, you will be able to find out if a house is mortgaged online by entering any of the following data about the property :
- Using the property's registration data : registration number, section and ordinal number of the property and municipality and name of the corresponding Registry).
- With the Idufir , that is, the unique identification number that each property has.
- Through the name or NIF of the owner.
- By the address of the property.
- Using geolocation , specifying the exact coordinates of your location in a viewer.
Once you have selected the property in question, you request the simple note and, within approximately one business day, you will receive the document with all the information about the house in your email, after paying the administrative fees (just over 9 euros per consultation) via credit card or PayPal. This would be the last step in the process of how to know if a property is mortgaged.
If everything fits and there are no unforeseen events, you can continue with the purchase process and try our mortgage simulator. Don't miss this post where we tell you what documents you need to submit when applying for a mortgage .
