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Mortgage Register – What you should know?

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In the world of real estate, the land and mortgage register is one of the most important documents that confirm ownership rights to a given property. Without proper knowledge about land and mortgage registers, one may encounter many legal and financial problems. In this article, we will explain what a land and mortgage register is, how to use it, and what information it contains.

What is a Land and Mortgage Register?

A land and mortgage register is an official record containing information about the legal status of a property. It is maintained by district courts, and its main purpose is to ensure the security of real estate transactions through the transparency and openness of data concerning ownership rights and encumbrances on the property. Every property, whether it is a plot of land, house, apartment, or commercial unit, has its own land and mortgage register.

What information can be found in a land and mortgage register?

A land and mortgage register is divided into four sections, each containing detailed information:

Section I – Property designation

This section contains data about the property itself, such as its area, location, and any administrative divisions. It also includes information about the intended use of the property, e.g., whether it is a building plot, agricultural land, or forest.

Section II – Ownership

This section contains information about the owner of the property or the perpetual usufructuary. It includes the personal details of the owner, such as their name, surname, and residential address. If the owner is a legal entity, it contains data about the company.

Section III – Rights, claims, and restrictions

This section records all restrictions concerning the property, such as easements, usufruct rights, life annuity rights, as well as any other claims that may affect the use of the property.

Section IV – Mortgages

This section contains information about mortgages encumbering the property. It includes data about the mortgage creditors and the amount of secured debts. A mortgage is one of the most common encumbrances that can significantly affect the value and marketability of the property.

How to check a land and mortgage register online?

Thanks to advances in technology, access to land and mortgage registers has become much easier. You can use the online land and mortgage register service through the electronic land and mortgage registers website. All you need is the land and mortgage register number to obtain full data concerning the property.

Land and mortgage register by address

If you do not have the land and mortgage register number, it is possible to search for the land and mortgage register by address. This tool is particularly useful when you want to check the legal status of a property whose register number is unknown to you.

Properties In focus

Procedure for filing an application to the land and mortgage register

The procedure for filing an application to enter data in the land and mortgage register may seem complicated, but it is necessary to update the information in the register. The application can be submitted in person at the district court or online using the electronic land and mortgage register system.

Changes in the land and mortgage register – what you need to know

Making changes in the land and mortgage register, such as changing the owner's surname, requires submitting the appropriate application and providing the necessary documentation. The same applies to transferring the land and mortgage register to a new owner.

Costs associated with entries in the land and mortgage register

Each change in the land and mortgage register involves court fees. These fees vary depending on the type of entry and the value of the property. Therefore, it is worth familiarizing yourself with the current price list in advance to avoid unexpected costs.

Is the land and mortgage register publicly available?

Yes, the land and mortgage register is a public document. Everyone has the right to access it, which ensures transparency and security of real estate transactions. You can also download the land and mortgage register in PDF format, which is convenient and allows you to keep the documentation in electronic form.

Electronic land and mortgage register – the future of property registers

Increasingly, electronic land and mortgage registers are being used, which facilitates and speeds up access to data. The electronic land and mortgage register system is the future that already significantly simplifies the management of real estate documentation.

Summary

The land and mortgage register is a fundamental document for every property, ensuring legal certainty and transparency in terms of ownership and encumbrances. Thanks to online availability, checking land and mortgage registers has become simpler and more accessible to everyone. Regularly updating the data and making necessary changes in the land and mortgage register is key to maintaining legal compliance and transaction security.

Hamilton May recommends using modern tools offered by e-land and mortgage registers to ensure your investment is well protected. If you have any questions or need support, our experts are ready to help and advise on matters related to land and mortgage registers.

Maintaining the accuracy and currency of entries in the land and mortgage register is an investment in the security of your property. Feel free to contact us and take advantage of our knowledge and experience in this field.


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