Start with the current registry: identify the property, owner, secured debt, mortgage scope and rank, seizures, leases and possession. Preserve the loan and security agreements, registration certificate, repayment ledger, default and acceleration notices, valuation, enforcement rulings, auction notices and occupancy evidence. A contractual mortgage is not the same as a registered real-estate mortgage, and priority cannot be assessed from the loan agreement alone.
Preserve originals, authenticated registry results, dated communications and payment evidence. Build separate regulatory, contractual and dispute timelines because an administrative complaint does not necessarily preserve a civil deadline.
Subject to editorial and legal review. Property regulation and procedure vary by asset, locality and transaction date. Urgent preservation, enforcement and limitation issues require specific advice.
Validate the security
Confirm the mortgagor’s title and authority, registered mortgagee, secured maximum or specific debt, property scope, registration date and any amendments. Review land-use restrictions, co-ownership, corporate approvals and prohibited transfers.
Default and enforcement path
Reconcile principal, interest, fees, cure and acceleration. A mortgage may be realized by agreed disposition where lawful or through court procedures. Map litigation, special realization procedures and direct enforcement instruments without assuming every notarized document is executable.
Priority and competing claims
Search earlier mortgages, seizures, taxes, construction-payment priority, leases, consumer purchasers and insolvency. Priority is claim-specific and may turn on registration, possession, payment and statutory conditions.
Valuation, auction and possession
Check the appraisal, reserve price, encumbrance disclosures, tax allocation, occupied status, vacant-delivery promise and auction conditions. A successful bid does not automatically remove every lease, occupant or operational restriction.
Objections and remedies
Track execution notices and short objection deadlines. Owners, buyers, tenants and other outsiders may have different procedural routes. Preserve the written contract, payment, possession and registration evidence required by the 2025 execution-objection interpretation.
Checklist
- Registry and complete encumbrance search.
- Debt, default and notice calculation.
- Priority matrix.
- Valuation and auction file.
- Occupancy, lease and handover plan.
- Objection and limitation deadlines.
Official sources
Law checked: September 11, 2026. Official Chinese texts, local rules, registrations and transaction documents control.
