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深圳房产抵押必看|一文搞懂他项权证

  • 2026-07-30 18:47:53
深圳房产抵押必看|一文搞懂他项权证

深圳房产抵押必看｜一文搞懂他项权证✨

深圳有房做抵押融资的朋友，90%都听过他项权证，很多人却不知道它到底有啥用！

什么是他项权证？

简单大白话：
房产抵押给银行/机构后，不动产中心出具的抵押凭证，代表这套房子目前有债权抵押。

• 放款前必须办理他项抵押登记

• 贷款没结清前，证押在放款方手里

• 全部还清贷款，才能注销抵押、拿回完整房产权

关键知识点

1. 有他项权证=房产处于抵押状态，无法随意出售过户

2. 结清贷款后，一定要去不动产中心注销抵押记录

3. 深圳按揭房、全款房、商铺厂房抵押，都会出具这本证

很多老板办完抵押稀里糊涂，后期卖房、置换踩坑！
不清楚自己房产抵押流程、解押手续的，评论区扣【咨询】免费答疑～

#深圳房产抵押 #深圳经营贷 #深圳房贷解押 #深圳买房干货 #房产知识科普 #深圳按揭房

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罗定房产中介不会消失,未来只会淘汰不专业的浑水摸鱼的人

上海二手房成交最新数据【第20260708】

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  138. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-template/src/template/contract/DriverInterface.php ( 0.86 KB )
  139. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/runtime/temp/cbe9940b986bd319e8e4ad9d69892652.php ( 11.98 KB )
  140. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000371s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000518s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000241s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000273s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000473s ]
  6. SELECT * FROM `set` [ RunTime:0.000192s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000559s ]
  8. SELECT * FROM `article` WHERE `id` = 547210 LIMIT 1 [ RunTime:0.004452s ]
  9. UPDATE `article` SET `lasttime` = 1785429474 WHERE `id` = 547210 [ RunTime:0.007730s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000287s ]
  11. SELECT * FROM `article` WHERE `id` < 547210 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000574s ]
  12. SELECT * FROM `article` WHERE `id` > 547210 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.002696s ]
  13. SELECT * FROM `article` WHERE `id` < 547210 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000902s ]
  14. SELECT * FROM `article` WHERE `id` < 547210 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000998s ]
  15. SELECT * FROM `article` WHERE `id` < 547210 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.005796s ]
0.091867s