What is registered against the property?
The registered encumbrances on a property: mortgages, easements and restrictions on disposal, with the secured amount and the rights holder, in one call.
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- Trial key with GitHub in under a minute
- One GET call
- Mortgages and easements
- Kartverket data
- Updated continuously
ℹ️ The endpoint responds once Placepoint API has launched. The contract below is final; the Tenant API already responds.
From property to encumbrances
The call tells you which encumbrances rest on the property beyond ownership itself. Banks use it to check mortgage security before a new loan, agents use it to inform buyers about easements and restrictions on disposal before a bidding round, and managers use it to keep track of encumbrances across a portfolio without ordering an extract from Grunnboken for each property one by one.
Each encumbrance comes with a type (mortgage, easement or restriction on disposal), the secured amount when it is a monetary encumbrance, who holds the right (organisation number and name, typically a bank for a mortgage), and when the encumbrance was registered. The order in which encumbrances are registered decides priority in a forced sale, so the date and the document number are not just history: an encumbrance registered early is covered before one registered later if the property is sold under duress and the money does not stretch to everyone.
Easements and restrictions on disposal are often permanent and follow the property when ownership changes, whether or not the new owner knew about them in advance. A mortgage is normally deleted once the loan it secures has been repaid, but it stays in Grunnboken until someone actually registers the deletion, so an old mortgage can still be on record long after the loan was paid off.
Combined with Owners and Transactions, the call gives you the same picture that a due diligence review starts with: who owns the property, what it is mortgaged for, and what rights third parties hold in it, without ordering three separate extracts and assembling the picture by hand.
Priority in a forced sale, not just history
The order of registration decides who is covered first if the property is sold under duress and the money does not stretch to everyone.Rights holder with organisation number
Each encumbrance is marked with who holds the right, organisation number and name, typically a bank for a mortgage.Together with owners and transactions
Combined with Owners and Transactions, the call gives you the same picture that a due diligence review starts with.
Fields that actually tell you something
One GET call on the property returns the encumbrances in order of registration.
/properties/{country}/{cadastreId}/encumbrancescurl -X GET "https://data.placepoint.no/properties/NO/0301-207-76-0-0/encumbrances" \
-H "Authorization: Bearer $TOKEN"
svar · 200
{
"items": [
{
"kind": "MORTGAGE",
"securedAmount": {
"amount": "9500000.00",
"currency": "NOK"
},
"creditor": {
"organizationIdentifier": {
"scheme": "0192",
"id": "912345678"
},
"name": "DNB Bank ASA",
"country": "NO"
},
"registeredAt": "2019-06-01T00:00:00Z",
"documentNumber": "2019-456789"
}
]
}
The kind field separates mortgages, easements and restrictions on disposal from each other.
Three steps to your first response
Log in with GitHub
One click, under a minute, no payment card. The key brings you back to this page.Call the endpoint
Replace$TOKENin the curl above with your key; the call only needs the country code and the matrikkelnummer.Use the response
Use the encumbrance list to check mortgage security before a new loan, or to inform a buyer about easements before a bidding round.
Data and sources
Encumbrance data comes from Grunnboken at Kartverket, updated continuously. See Land register and documents for how to order a complete extract from Grunnboken manually, with all the details the call does not cover.