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Lend after the mortgage is paid off, and then borrow to buy a house after the mortgage is paid off.
How to refinance after the mortgage is paid off?

Question 1: Can I apply for a house loan again before the house loan is paid off? 1。 Provident fund is no good.

2。 Mortgage is ok! However, it may be necessary to increase the down payment, and at the same time may not enjoy the downward floating interest rate, which may be slightly higher than the interest when buying the first house! Every bank is different, please consult more! Now all the banks are connected to the Internet. Some banks can enjoy the downward floating interest rate by lending in the name of their spouses, while others can't!

3。 Pay attention to premarital property issues:

Some netizens said, "Take a loan under your boyfriend's name as a pawn. You need to get a marriage certificate after 10, 10, for example. 10/1Go to buy a house and take out a loan in his name. At this time, the bank will ask if you are married, but the household registration book is still unmarried. This is a personal loan.

Whether or not to get married is determined according to the time when the loan contract is signed, not the commercial housing contract. Now that you are married, you must provide a marriage certificate. The marriage certificate has time! Note: At present, people's credit and qualifications have been filed in the bank. Don't lose big because of small things. This is more important than anything else in the future!

In addition, according to the new marriage law, premarital property is always premarital property. Because the loan is unmarried, I am afraid of trouble in the future.

Interest is small, in fact, the benchmark interest rate and the downward floating interest rate, although checked for a long time, have little difference from month to month!

Question 2: After the mortgage is paid off, what procedures are needed to go to the bank to apply for a repayment certificate and then cancel the mortgage?

Question 3: After paying off the house loan, how should I handle the formalities of paying off the loan? Hello, if the mortgage you applied for in our bank has been settled (including early settlement and natural settlement), you generally need the borrower to go through the settlement procedures, cancel the mortgage registration and obtain the real estate license at the relevant local departments. The specific regulations of each branch are different. I suggest you contact the loan handling bank to consult the local policy.

If you have any other questions, please visit the "Customer Service Online" of China Merchants Bank (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your attention and support!

Question 4: How to get back the title certificate after the loan is paid off? Because it takes a long time between the auction sale and the acquisition of the commercial housing property right certificate, before the commercial housing property right certificate is completed and mortgaged to the bank, developers, banks and buyers will often sign a guarantee contract, and the developer will provide phased guarantee to the bank to ensure that the commercial housing property right certificate is directly handed over to the bank. From the time the developer completes the commercial housing title certificate to the time the developer gives the commercial housing title certificate to the bank, the developer actually controls your commercial housing title certificate. After the commercial housing property certificate is completed, the developer will directly hand over the commercial housing property certificate to the bank for mortgage, and some banks can use the commercial housing property certificate for mortgage registration. Since then, the title certificate of commercial housing has nothing to do with the developer. It is a general process to get back the title certificate of commercial housing or cancel the mortgage registration, and there will be many situations in actual operation. After the mortgage is paid off, there are three situations to get back the title certificate of commercial housing: (1) get back your own title certificate from the bank. If the original title certificate of the commercial house has been mortgaged in the bank, and the buyer has repaid the loan or repaid the loan in advance, it is necessary to contact the bank in advance. The bank will tell the buyer when to go through the relevant formalities. Different banks have different specific requirements, but general banks will require buyers to bring ID cards, collateral credentials, loan contracts, copies of insurance policies and invoices. Property buyers will receive repayment vouchers after settling accounts in the bank at the agreed time, and the bank will also return the original commercial housing title certificate, the original sales contract and the original insurance policy to the property buyers. In this way, buyers can get their own commercial housing property certificates back. (2) It is more complicated to get back the property right certificate from the developer. The property buyer has paid off the loan before the property certificate of the commercial house is mortgaged. Because the property right certificate of commercial housing of buyers has not been mortgaged, the developers are still in the stage of mortgage by stages, and the relationship among banks, developers and buyers is still triangular. If the loan repayment is completed at this time, the buyer can ask the developer for the property right certificate of commercial housing after receiving the repayment certificate from the bank. If the developer has already handled the commercial housing property certificate, the buyer can directly get the commercial housing property certificate. However, if the developer has not yet handled the commercial housing title certificate, the buyers can only ask the developer to handle the commercial housing title certificate as soon as possible. (3) Cancellation of mortgage registration Some banks do not require buyers to put the original commercial housing title certificate in the bank, only need to register the mortgage, and the buyers can hold their own commercial housing title certificate with the mortgage registration mark. If this is the case, after paying off the loan, the buyers need to cancel the mortgage registration in addition to going to the bank for formalities. After the buyer completes the settlement formalities in the bank, the bank will personally or entrust a lawyer to contact the administrative department for cancellation (cancellation) of mortgage registration, usually at the local construction Committee (construction bureau) or the State Land Housing Authority. The requirements of local construction committees (construction bureaus) or Guotufangguan Bureau are different. You can consult the bank or these departments in advance. Usually, in addition to ID cards, collateral credentials, loan contracts, copies of insurance policies and invoices, buyers also need to bring repayment vouchers issued by banks. The above is the problem of getting back the real estate license after buying an auction house and paying off the loan. If you buy an existing house, there is no step for the developer to guarantee it by stages, only the relationship between the buyer and the bank is left, so there is no such second situation. In short, the repayment of the loan does not mean that the house has completely belonged to the buyers. Be sure to remember to cancel the mortgage registration and take back the real estate license in the bank.

Question 5: How to apply for real estate license after the loan is paid off? You need to see which branch of your mortgage bank makes an appointment. Just call and ask. The bank will inform you of the repayment time after making an appointment for prepayment by phone or at home. After paying off the debt, the bank will give you the materials to pay off the loan and other rights certificates (if you don't have other rights certificates, you will be given a room book). You can take these things to the construction Committee of the house to cancel the mortgage.

Question 6: How to apply for the real estate license after the house loan is paid off? Is your property right mortgaged in the bank? Then after you repay the loan, the bank will give you a list stamped with the bank seal, and then tell you to get the real estate license and other warrants on the same day or a few days later, and just cancel the loan at the real estate trading center. Just bring your ID card and loan contract.

Question 7: Can the provident fund loan be repaid? Yes, as long as the provident fund loan is paid off, you can continue to borrow money to buy a second suite. The regulations are as follows: the paid employees' families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.

Question 8: What if the loan is paid off? I bring my ID card, purchase contract, purchase invoice and deed tax invoice to the real estate trading center to apply for the real estate license.

Question 9: What will the bank do if the mortgage is forgotten? If it is 1 and 2, the problem is not big, at most, it will affect credit. If it reaches more than 6 points, it will be included in the bad credit rating, which will have a great impact on its own credit. Finally, once assessed by the bank as unable to repay the loan, the bank will auction the house to recover the mortgage.

Problem 10: The mortgage for selling the house has not been paid off. How to pay the rest of the mortgage? How much should I pay? There are three ways to re-trade the property with outstanding loans 10: early repayment, fund supervision and refinancing.

After the two parties sign the real estate sales contract, the landlord will raise funds and return all the loan balance owed to the bank in advance at one time. After the bank cancels the mortgage, the real estate trading center will cancel the mortgage registration. In this way, the landlord has obtained the complete property rights of the house, and both parties can complete the transaction according to the general second-hand housing sales process.

Advantages: Before the landlord obtained full property rights, the buyer did not pay the house price, so the buyer's funds are highly secure.

Disadvantages: It requires the landlord to have strong financial strength or financing ability to raise money to fully repay the loan.

The fund supervision buyer will use the down payment to help the landlord repay the loan balance. The key to using this method is to find a third party trusted by both parties (such as reputable intermediary companies, law firms or other guarantee institutions), control every link in the whole process, and eliminate the transaction risks that may be brought about by mutual distrust or lack of integrity of landlords. If the down payment of the property buyer is not enough to fully repay the landlord's loan balance, the landlord can also entrust the guarantee institution to provide advance payment service to make up the difference. In this way, you only need to pay a prepaid service fee to realize financing and complete the transaction.

Advantages: Both parties have jointly solved the obstacles of trading funds.

Disadvantages: If there is no third party to monitor the capital movement all the time, the buyer's down payment is risky.

After re-mortgage and signing the real estate sales contract, both parties apply to the landlord's original loan bank for re-mortgage.

Advantages: there is no need to raise funds to repay loans in advance, and there is no financing pressure. Instead, the original repayment obligation of the landlord is transferred to the buyer, and the mortgagor is changed from the landlord to the buyer by changing the mortgage registration.

Disadvantages: the procedures for lending are complicated, and not all banks have this business. If the buyer needs to apply for a loan from another bank, there will be the problem of inter-bank mortgage transfer, and whether the two banks can cooperate smoothly will be the key to the success of the transaction. Therefore, before the buyers and sellers are prepared to solve the mortgage problem of the last house purchase by refinancing, they must fully consult relevant parties and clarify the specific requirements and handling procedures of the bank.

Can the mortgage be mortgaged again after the mortgage is paid off?

After the mortgage is paid off, the user cancels the last mortgage, so as long as he owns the property, the user can apply for a mortgage loan again with the property. However, under the premise of existing mortgages, most banks do not accept secondary loans. Therefore, after paying off the mortgage, users can apply for a mortgage loan again with the property as long as they meet the mortgage conditions.

For users, what banks need to apply for mortgage loans is collateral, not necessarily real estate. As long as there is collateral that meets the requirements of the bank, they can also apply for mortgage loans if the mortgage is not settled.

Can I still get a loan after paying off my mortgage?

Pay off the mortgage and you can get a loan. You can apply for a loan after the mortgage is paid off in one lump sum. Generally, the approval time will be a little longer than the first time. The second mortgage refers to the second loan to buy a house. According to the difference of the second mortgage, the interest rate of the second mortgage is about 10%-20%. For buyers who have settled bank loans, if they refinance, they can still enjoy the first set of self-occupied housing treatment, and the interest rate can be lowered as appropriate. Article 6868 of the Civil Code establishes mortgage, and the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) the scope of the guarantee.