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At Lantmäteriet you can for example apply for a mortgage, a new mortgage certificate, exchange a written mortgage certificate for an electronic mortgage certificate or cancel a mortgage certificate that has been lost.
What is a mortgage?
To use the property as a safety for example for a loan when buying a property an application for mortgage needs to be sent to us if there are not already sufficient existing mortgage certificates in the property.
By doing so a specific amount in the property is mortgaged to the one lending you the money. As a proof of the mortgage, we issue a mortgage certificate.
What is a mortgage certificate?
When you apply for a mortgage in your property, we issue a mortgage certificate as proof that a mortgage has been granted. The mortgage certificate can either be written or digital. A digital mortgage certificate is called an electronic mortgage certificate.
A mortgage certificate can be used as a safety if you are going to take a loan. If you borrow money from a bank that is connected to the Electronic mortgage certificate system, the lender registers the electronic mortgage certificate to their mortgagee number.
If the mortgage certificate is going to be used as a safety by someone who is not connected to the Electronic mortgage certificate system a written mortgage certificate is needed. For example, if you borrow from an individual. Lantmäteriet administers the Electronic mortgage certificate system that the banks are connected to.
Owner registered electronic mortgage certificates
An electronic mortgage certificate that is not being used as a safety for a loan is owner registered. That means that the mortgage certificate is available digitally for you as the registered owner of the property / site leasehold and you can use it as a safety for a loan.
If you have recently paid off a loan to your bank, then the bank will return the electronic mortgage certificate by registering it to the owner. Lantmäteriet administers owner registered electronic mortgage certificates in the Electronic mortgage certificate system. Written mortgage certificates that are sent to us for conversion become owner registered electronic mortgage certificates.
When an electronic mortgage certificate has been owner registered, a notification is automatically sent to you as the registered owner of the property/ site leasehold. According to the law Lantmäteriet has an obligation to notify the registered owner of the property / site leasehold when something happens to an electronic mortgage certificate. The notification is only for information, and you do not have to act on it in any way.
See mortgages in your property
In the e-service Min fastighet (My Property) you can see the existing mortgages in your property.
Extract form the Electronic mortgage certificate register
From Lantmäteriet you can easily order an extract from the Electronic mortgage certificate register.