1. The parties concerned shall go to the housing management trading center to handle the mortgage registration cancellation with the proof that the bank has paid off the loan and the original property right certificate;
2. After cancellation, go to the real estate transaction office to go through the formalities of renaming and transferring the real estate license.
If the house is mortgaged to the bank, the process of releasing the mortgage is as follows:
1. Call the loan bank to inquire about prepayment, including whether it is necessary to pay liquidated damages;
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. Go to the loan bank for settlement the next day after the payment is completed, and print the interest list (tax deductible);
5. Go to the post-loan management center of the bank to get the materials for canceling the mortgage;
6. Go to the guarantee company (you don't need to go to a commercial loan, you don't need to sign a guarantee agreement at that time and you don't need to go to the provident fund loan);
7. Go to the real estate registration center;
8. Archive and complete the release.
To sum up, the houses with outstanding loans will be registered in the real estate registration center. This kind of house cannot be sold or donated. Only by paying off the loan, going to the mortgage bank to get the loan repayment certificate and going to the real estate registration center to cancel the mortgage registration can the house be listed and traded normally. The process from paying off the loan to canceling the mortgage registration is to cancel the mortgage.
Legal basis:
Article 6 of the Measures for Mortgage Registration of Notary Institutions
To apply for mortgage registration, both parties to the mortgage contract shall jointly apply and fill in the mortgage registration application form.
The mortgage registration application form shall include the following contents:
(a) if the applicant is an individual, it shall specify the name, gender, date of birth, ID number, work unit, address and contact information; If the applicant is a legal person or other organization, the name and address of the legal person or other organization, the name, gender, position and contact information of the legal representative or responsible person or agent shall be stated;
(two) the name of the main contract and mortgage contract;
(3) The type and amount of the secured principal creditor's rights;
(4) Name, quantity, quality, condition, location, ownership or right to use the mortgaged property;
(five) the time limit for the debtor to perform the debt;
(6) The scope of mortgage guarantee;
(seven) if the collateral is mortgaged again, it shall explain the situation of the mortgage again;
Date of applying for mortgage registration;
(nine) other issues that need to be explained.
The applicant shall sign or seal the application form.