After the house purchase loan is paid off, the homeowner still needs to deal with the following things:

1. Handle the mortgage cancellation formalities with the loan bank.

2. Go through the refund formalities of the corresponding insurance premium with the insurance company.

3. Handle the deposit refund formalities with the developer (if any).

If you have applied for the real estate license during the loan period, you only need to go to the window of the administrative service center housing management office with the cancellation form, other warrants and bank ID card. If there is no real estate license, after repaying the loan, take the cancellation form of the bank to the housing management office window for cancellation, and then apply for the real estate license.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. 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.

Loan application information:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan.

What procedures do I need to go through to pay off my mortgage?

1, mortgage settlement procedure

After the mortgage is paid off, you need to go to the bank for settlement procedures, and ask the bank to issue the "Certificate of Mortgage Settlement". You should know that when you apply for a mortgage, the original property certificate is mortgaged in the bank. If you pay off, you must get it back first, and the house will be completely yours.

2. Mortgage cancellation procedures

After getting back the mortgage settlement certificate and real estate license from the bank, you still need to take your ID card to the Housing Authority to go through the mortgage cancellation procedures. Only when the mortgage of real estate is cancelled can you fully own the property right and be free to trade or transfer it.

3. Insurance refund procedure

Some banks' mortgage applications require applicants to provide third-party guarantee materials. If the insurance company guarantees, it is bound to pay part of the insurance premium. After the mortgage is paid off, you can take the relevant materials to the insurance company for a refund.

4, deposit refund procedures

For new house mortgage, some developers may ask for a deposit. If so, they can ask the developer to refund the deposit after the mortgage is paid off.

Extended data:

How to cancel his warrant after the mortgage is paid off?

After the mortgage loan is paid off, get back the house ownership certificate from the bank, ask the bank to pay off the loan certificate, and then take it all to the property rights trading center to apply for cancellation of the mortgage. His certificate of rights was revoked by the trading center.

1. After paying off all the loan principal and interest, you can go to the lending institution to handle the house ownership certificate and the loan settlement certificate. Cancel the mortgage in the real estate trading center of the district or county where the real estate is located;

2. When handling the mortgage cancellation business, you need to fill in the mortgage cancellation application form, provide the loan settlement certificate provided by the lending institution to the borrower, and the house ownership certificate and the house ownership certificate (both certificates are submitted at the same time) or the mortgage certificate that I need to provide;

3, to the real estate bureau for mortgage cancellation procedures;

4. Take other warrants to the Housing Authority where the house is located for cancellation of registration, and the Housing Authority will stamp all the warrants (indicating that the mortgage has been paid off).

What procedures do I need to go through after the mortgage is paid off?

Procedures to be handled after the mortgage is paid off:

1. After the house loan is paid off, you need to go through the formalities at the bank where the loan is located and get his property right certificate. The bank will stamp the official seal on his property right certificate and write down the cancellation opinions, such as: the loan has been invited and you agree to cancel the mortgage;

2. Then, the property owner himself carries the real estate license, other warrants and the original ID card to the mortgage department of the local property housing security and real estate administration for mortgage cancellation registration;

3. If there is more than one name on the property right certificate, at least one property owner must be present, and the original ID cards of other property owners can also be handled. If there is a minor's name, the guardian must bring the guardian's identity certificate to the scene for handling.

Extended data:

Because the mortgage lender who needs to repay the loan in advance needs to carefully check the request for repayment in advance and then review it, and the application also takes some time.

If the lender wants to repay the loan in advance, under normal circumstances, he should take good care of his ID card and loan contract to the bank after making a phone call or making a written request. As a trustee, he should take good care of the real estate license, settle other debt documents confirming the pledge at the bank, and personally go to the district construction committees to understand the pledge situation. What is not taken seriously is that if the diners don't have a one-time knot.

The original policy and invoice can be booked by calling the relevant security companies. If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.