When the company pays back the bank's money, you can take the bank's repayment certificate to the Construction Committee.
Second, how to release the mortgage when the house is mortgaged?
Pay off the loan certificate and give you cancellation information. When you get the cancellation information, you can go to the Housing Authority to cancel the registration.
Three. Procedures and procedures for cancellation of real estate mortgage
Let's take the mortgage issuance process of provident fund loans as an example.
Step 1: Settle the loan
After the borrower settles the mortgage, he will go to the provident fund center to issue the Notice of Cancellation of Real Estate Mortgage with the loan settlement notice issued by the bank.
Step 2: Get his certificate of rights.
The borrower holds a valid ID card and goes to the provident fund center to receive the house ownership certificate and the notice of mortgage cancellation.
Step 3: Go through the formalities of knowing the charges.
The borrower holds his valid ID card, other rights certificate, real estate license, repayment certificate and other materials to the original mortgage registration department for mortgage cancellation procedures.
Reminder: When handling the mortgage cancellation procedures, you must go to the bank to retrieve other warrants. Without this certificate, you can't go through the mortgage formalities smoothly.
Many mortgage customers believe that as long as the loan is settled, the house is their own! Having said that, the fact is not so simple.
When applying for a mortgage, the bank will ask the borrower to use the house he bought as collateral. At this time, it is necessary to go through the mortgage registration formalities with the Housing Authority, and the bank will only issue loans after obtaining his right certificate. Therefore, after the mortgage loan is settled, the borrower must go through the formalities of understanding the mortgage. After this procedure is completed, the house will really belong to you.
4. How to mortgage the house to a small company?
To cancel the mortgage, you must first apply to the bank, and then you need to bring the following materials to the real estate registration center to understand the mortgage situation.
Applying to the bank to cancel the mortgage generally goes through eight links:
(1) Call the loan bank to inquire about prepayment, including whether it is necessary to pay liquidated damages and how much;
② Go to the loan bank to apply for prepayment;
(3) Repayment (repayment before the agreed time, and the agreed time cannot be three days before or after the repayment date. );
(4) The next day after the payment is completed, go through the settlement formalities at the loan bank and print the interest list (tax deductible);
⑤ Go to the post-loan management center of the bank to get the mortgage cancellation materials;
6. Go to the guarantee company (no commercial loan is needed, there was no guarantee agreement at that time and no provident fund loan was needed);
All landowners to the real estate registration center.
⑧ Archive and finish publishing.