Safe property purchase, check the land and mortgage register

Beautiful finishing, a balcony view or a good price can be captivating. However, before signing a preliminary agreement, you must thoroughly check three key elements in the land and mortgage register.

Three key sections and elements of the land and mortgage register

• Section III - Rights, claims and restrictions: This is the place where personal easements (e.g. lifetime support), warnings about enforcement proceedings or claims from other preliminary agreements may be hidden.
• Section IV - Mortgage: Check whether the property does not secure debts, which requires obtaining a balance certificate and consent to delete the mortgage.
• Section I-O and II - Compliance of the actual state: Make sure that the area and appurtenances correspond to reality, and in Section II verify the sole owner or all co-owners.

When reviewing the land and mortgage register number in the electronic system, pay special attention to notes marked with red font or the letter W symbol. They mean that a new application has been submitted to the court that has not yet been entered into the register.

The analysis of the land and mortgage register and related documents is a standard part of our work. At ODI Nieruchomości, we take over the entire legal audit, eliminate risks and ensure that the moment of collecting the keys brings only peace and satisfaction. We invite you to contact our real estate agency.