1. Apply for prepayment.
If the last house has been repaid for one year, you can generally apply for early repayment; If it is not repaid within one year, it shall pay liquidated damages according to the last loan contract or not repay it at all;
2. If the loan is repaid for one year, you can repay the loan in advance;
3, 3-5 working days after the loan to the bank to get the information needed to cancel the mortgage registration;
4. The information required to cancel the mortgage registration obtained from the bank shall be cancelled at the time of transaction.
Two, for cancellation of mortgage registration, you need to get materials from the bank.
1, other certificates of immovable property rights (other certificates);
2. Application for cancellation of mortgage registration;
3. Power of attorney issued by the bank;
4. A copy of the bank business license;
5. Proof that the customer has paid off the loan;
6. Original insurance policy.
Three. Information needed to cancel mortgage registration at the time of transaction.
1. Information required by the bank to cancel the mortgage registration;
2. The original and photocopy of the cancellation person's ID card;
3. The original house property certificate that needs to go through the mortgage cancellation registration formalities.
Four. If the last family entrusts the company personnel to cancel the mortgage registration, the following supplementary information is required.
1, the last power of attorney;
2. The ID card and photocopy of the personnel entrusted by the company.
The mortgagor shall submit the following materials when canceling the registration of real estate mortgage:
1. Mortgagor ID card;
2, "housing provident fund loan repayment certificate" and "housing provident fund loan cash payment form";
3. Proof of loan repayment;
4. Property ownership certificate, house ownership certificate, house ownership certificate, state-owned land use right certificate and other relevant warrants;
5. Application for cancellation of registration.