The decompression process is as follows:
1. After the loan is settled, the bank can apply to the real estate management department for cancellation of mortgage registration, and after the bank formalities are completed, give the receptionist (house ownership certificate; Proof of other rights; )
Application for cancellation of mortgage registration (the client may be himself or a third party);
2. Bring the above things and a copy of the party's ID card to the real estate management center for delivery;
3. He will give a receipt. After two working days, the customer will bring the receipt and the original ID card to get the property right certificate;
After the actual basic process of decompression is completed, the property right certificate has been cancelled, and you can trade or handle other matters, and the house belongs to this company again.
If there is no settlement on hand, the guarantee will be decompressed by prepayment.
The decompression method is as follows:
The first step is to sign a house sales contract.
After the buyer and the seller sign the house sales contract, the two parties agree on the source of advance funds and who will pay the advance service fee, and confirm the repayment bank of the owner, the amount of advance funds (ten thousand yuan), the occupation period of advance funds and the specific repayment time.
spare part
The Buyer purchases the house in full: the buyer and the seller go to the cooperative bank of our company to handle the fund supervision formalities with the advance payment, and both parties provide the ID card, the copy of the real estate license, the sales agreement, the copy of the owner's collection passbook and the advance payment application form.
Buyer's loan to purchase a house: after the buyer obtains a bank loan (the loan amount must be greater than the repayment amount of the owner), before the advance payment, the ID cards of the buyer and the seller, the copy of the real estate license, the sales agreement, the copy of the owner's collection passbook/card in the customer loan bank, the buyer's loan approval letter and the advance payment application form are provided to the advance payment company.
The third step is to verify the correctness.
After the information provided by the buyer and the seller is complete, the prepayment company will accompany the owner to the real estate bureau to confirm the property right 1-2 days before the owner agrees to repay, so as to ensure that the property has no other creditor-debtor relationship.
The fourth step is to sign an early contract and make an appointment for repayment.
After confirmation, the company goes through the formalities for examination and approval of advance payment application, signs an advance payment contract, agrees on the time of advance repayment with the owner's original loan bank, and confirms the repayment period and lending time. Generally, you need to make an appointment one month in advance, and then you can go directly to the bank counter or deposit as scheduled.
According to the different regulations of banks and branches, this process will take about one month.