How to Check Mortgage Status in RTA (Roads and Transport Authority) is essential for homeowners in Dubai. Understanding your mortgage status ensures you are informed about any obligations, payment history, and current standing with your lender. This guide will provide step-by-step instructions on how to check your mortgage status and why it is important.
1. What is RTA?
RTA: The Roads and Transport Authority is a government agency in Dubai responsible for planning and providing an efficient transport system, including matters related to property ownership and mortgages.
2. Importance of Checking Mortgage Status
Verification: Ensures that your mortgage is registered and that there are no outstanding issues.
Financial Planning: Helps you understand your current obligations and plan for future payments.
Selling or Refinancing: Necessary if you plan to sell your property or refinance your mortgage.
Step 3: Look for Property Services and select Mortgage Registration.
Step 4: Log in using your Emirates ID or registered account details.
Step 5: Choose the option to view your mortgage status.
3.2. Using the Dubai REST App
Step 1: Download the Dubai REST app from the App Store or Google Play.
Step 2: Create an account or log in.
Step 3: Go to the Property section and select Mortgage Status.
Step 4: Enter the required information, such as your property details.
3.3. Contacting Customer Service
Step 1: Call the RTA customer service hotline at 800-9090.
Step 2: Provide your Emirates ID and property details to the representative.
Step 3: Request information regarding your mortgage status.
4. Required Information
To check your mortgage status, you will typically need:
Emirates ID: Your identification number.
Property Details: Information about the property, such as location and title deed number.
Mortgage Reference Number: If applicable, this can help streamline the process.
5. Common Issues and Solutions
5.1. Error Messages
Problem: If you encounter an error while checking your status online, ensure you have entered the correct information.
Solution: Double-check all input details or contact customer service for assistance.
5.2. Status Not Found
Problem: If your mortgage status is not found, it may not be registered yet.
Solution: Confirm with your lender or check if there are pending documents.
6. Conclusion
Checking your mortgage status in the RTA is a straightforward process that can be done online or via mobile apps. Keeping track of your mortgage status helps you manage your finances better and ensures that you remain compliant with all requirements. Regular checks can also prevent issues that may arise during property transactions.
