You can go to the loan bank to open a settlement certificate first; Then go to the Housing Authority to inquire with the settlement certificate and ID card.
The process of releasing the mortgage after the mortgage is paid off is as follows:
1. Ask for the loan settlement certificate. For the same mortgage cancellation procedure, you also need this loan settlement certificate to prove that your loan has been paid off in full.
2. Prepare mortgage cancellation information. There is little information about mortgage cancellation, and generally only the original ID card of the lender and the original loan settlement certificate are needed.
3. Apply to the loan bank for account cancellation. Bring the above materials to the personal loan center of your loan bank to apply for mortgage cancellation. You don't need a written application, you can apply orally.
4. Enter the cancellation information online. According to the documents you provide, the staff will input your identity information into the special online mortgage cancellation system, and then click on the appointment to cancel the mortgage, which means that your mortgage cancellation application has been submitted successfully, waiting for the online review and operation of the Housing Authority.
5. Check with the Housing Authority. The general staff will tell you that after about half a month, go to the Housing Authority to inquire about the cancellation of the mortgage of house ownership. If you can't find the mortgage information, it means that your house has gone through the mortgage cancellation procedures.
6. get back the real estate certificate. If the other party pawned your real estate license or issued a certificate of other rights to you at the time of mortgage, you can go to the mortgagee to get your real estate license back, or go to the Housing Authority to cancel other rights for the record.
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1. Generally, for the mortgaged housing loan, the borrower can apply for mortgage cancellation after paying off all the loan principal and interest, and some banks can handle the mortgage cancellation procedures on his behalf. As the policies of mortgage registration agencies vary from place to place, please consult the loan handling outlets for details.
2. Prepare delivery information. In order to handle the mortgage cancellation procedures of vehicles, it is necessary to prepare corresponding materials, such as repayment bank flow and loan settlement certificate. There should be more information, not less, so as to avoid being unable to process it because the information is not gathered together.
3. Proof of loan settlement. The most important thing to handle the mortgage cancellation procedures is this mortgage cancellation certificate. Generally, this certificate will be issued to you by the lending institution one month after your loan is paid off. After receiving this card, you must keep it well and never lose it.
After paying off the loan, go to the Housing Authority to cancel the mortgage.
Procedures for release from custody:
1. After paying off the house purchase loan, the borrower first needs to obtain the sealed loan settlement certificate from the loan bank, and then issue the Notice of Release of House Mortgage to the management center. The sub-center will issue the Notice of Release of House Mortgage in triplicate, one for the center and two for the borrower.
2. Then get the real estate license. Need to go to the bank loan center to get the "Property Ownership Certificate" and the "Notice of Cancellation of Charge";
3. Finally, the borrower can go to the Housing Authority to cancel the mortgage with all the information.
First, how long can the mortgage be released after the house has repaid the loan?
The mortgage can be cancelled within one to two weeks after the house pays off the loan. After the house has paid off the loan, it will take some time to cancel the mortgage, and the lender needs to go through the relevant formalities at the bank and the municipal property rights exchange center with relevant certificates. The process is troublesome, but every link is handled quickly.
2. After the mortgage is paid off, can I not go?
1. After paying off the mortgage, if the customer has no time, he can entrust others to handle it without doing it himself.
2. The customer only needs to find his relatives and friends to issue a power of attorney at the notary office, and then give his ID card, real estate license, other warrants and loan settlement certificate to the other party, and then let the other party take the materials and my ID card to the local housing authority to understand the mortgage procedures.
3. Customers can wait until they have time, and then apply for mortgage in person. After all, there is generally no time limit for canceling the mortgage (however, it is best to cancel the mortgage registration as soon as possible after paying off the mortgage, so as to avoid the loss of some materials for too long and affect the procedures for canceling the mortgage).
3. Can the mortgaged house be directly transferred without releasing the mortgage?
Buying a house is generally a loan from a bank, and the bank will ask for a mortgage on the property. In other words, when the bank pays off the money, the bank can cancel the mortgage, and at the same time, the property can also be sold before listing. After the implementation of the Civil Code, the mortgagor may transfer the mortgaged property during the mortgage period. Unless otherwise agreed by the parties, if the mortgaged property is transferred, the mortgage right will not be affected.
Fourth, what should I pay attention to when decompressing real estate?
1, property decompression is generally handled by the Housing Authority. You need to prepare the certificate issued by the bank to pay off the loan and relevant materials, and then go to the trading hall to handle it. Note that there is no need to spend any money here.
2. If the owner who has mortgaged the loan has obtained the real estate license, he must also go through the mortgage cancellation formalities with the real estate license to the Housing Authority. As for the provident fund loan, he must go to the provident fund center to get the loan repayment certificate after the loan is over, and finally go to the trading hall to cancel the mortgage.
3. If the borrower wants to repay the loan in advance, he can refund a small amount of insurance money to the insurance company first, and generally pay the insurance premium according to the loan year when handling the loan again. If the loan is repaid in advance, like a loan for 20 years, it will be paid off in only 5 years, then the insurance premium for the next 15 years will be paid off.
Legal basis: Article 557 of the Civil Code of People's Republic of China (PRC)? Creditor's rights and debts shall be terminated under any of the following circumstances:
(a) The debt has been fulfilled.
(2) The debts offset each other;
(3) The debtor deposits the subject matter according to law.
(4) Creditors are exempted from debts;
(5) Creditor's rights and debts are owned by one person;
(six) other circumstances stipulated by law or agreed by the parties to terminate.
If the contract is terminated, the rights and obligations of the contract shall be terminated accordingly.
Mortgage repayment and mortgage cancellation process
1. Users should have proof of settlement, so as to prove that they have paid off all loans.
2. Users should prepare cancellation materials, generally as long as they have ID cards and proof of settlement.
Users should also remember to bring information when applying in the bank. Generally, oral administration is enough.
4. Staff need to input information in the system, and at the same time help to make an appointment and go through the formalities.
5. The staff of the Housing Authority need to check before they can help to cancel the mortgage. At the same time, you can get back the real estate license.
Extended information:
Housing loan, also known as housing mortgage loan, refers to the legal documents such as housing mortgage loan application form, ID card, income certificate, housing sales contract, guarantee letter and so on filled out by the purchaser to the loan bank. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
Common sense of loan interest
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30, and monthly interest rate (‰) = annual interest rate (%)÷ 12.
(2) Banks can use the cumulative interest method and transaction interest method to calculate interest.
1. Accumulate the account balance according to the actual number of days, and multiply the accumulated amount by the daily interest rate to calculate interest. The interest calculation formula is: interest = accumulated interest × daily interest rate, where accumulated interest = total daily balance.
2. The interest calculation method is to calculate the interest one by one according to the predetermined interest calculation formula: interest = principal × interest rate × loan term.
There are three specific points: If the interest period is a whole year (month), the interest formula is as follows: ① Interest = principal × number of years (months) × annual (month) interest rate. If the interest period is a whole year (month) and a few days,
The interest calculation formula is: ② Interest = principal × year (month) × year (month) interest rate principal × fractional days × daily interest rate. At the same time, banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap year) and actual calendar days per month.
The interest calculation formula is: ③ Interest = principal × actual days × daily interest rate. These three formulas are essentially the same, but because the interest rate conversion only takes 360 days a year, it takes 365 days a year to calculate the actual daily interest rate, and the result will be slightly biased. According to which formula, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
(3) Compound interest: Compound interest refers to charging interest at a certain interest rate. According to the regulations of the central bank, the borrower will receive compound interest if he fails to repay the interest at the time agreed in the contract.
(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest charged by the bank to the defaulting party according to the contract signed with the parties is called bank penalty interest.
(5) loans overdue liquidated damages: the liquidated damages to the defaulting party are of the same nature as the penalty interest.
(six) the formulation and filing of interest calculation methods
Do I need to go to the Housing Authority for cancellation after the cancellation of housing loans and mortgage of housing loans? This concludes our introduction. I wonder if you found the information you need from it?