How to go through the formalities of real estate release?
1. First, the loan needs to be settled. After the borrower has settled the mortgage, he will issue the Notice of Cancellation of House Property Mortgage to the Provident Fund Center with the loan settlement notice issued by the bank.
2. Secondly, the borrower will get a certificate of other rights. The borrower holds a valid ID card and goes through the mortgage cancellation procedures to the provident fund center to receive his right certificate and the mortgage cancellation notice.
3. Finally, we have to go through the formalities of understanding the mortgage. The borrower shall go through the mortgage cancellation procedures at the original mortgage registration department with his valid ID card, other rights certificate, real estate license and repayment certificate.
If you don't choose to use the buyer's down payment to understand the mortgage, it means that you need to choose one of two ways to solve the mortgage: intermediary loan and guarantee company loan. However, we must find a formal company, otherwise it will be small in scale and full of lawsuits. Isn't it troublesome?
According to the regulations, the mortgaged real estate can only be transferred or leased with the consent of the mortgagee (that is, the bank). In other words, before you transfer the mortgaged property, you must first obtain the consent of the bank, otherwise you can't buy or sell it. If you sign the contract seriously, you must know the contents of the contract.
6. The bank generally requires the borrower to submit a written or telephone application 15 working days in advance, and the bank will examine and approve the borrower's mortgage repayment application after receiving it. After settlement, the bank will issue a settlement certificate and return his right certificate. Decompression only needs to be handled by the local construction Committee, and it needs to be queued when there are many people. Therefore, it usually takes about a month for banks to repay loans and mortgage loans.
What should I pay attention to when handling real estate release?
1. Find a formal company loan: If you don't choose to use the buyer's down payment to understand the mortgage, it means that you need to choose between finding an intermediary loan to solve the mortgage and finding a guarantee company to solve the mortgage. But I have to remind you that you must find a regular company, otherwise it is a trivial matter and very troublesome to be overcharged.
2. Obtain the consent of the bank: The mortgaged real estate can only be transferred or leased with the consent of the mortgagee (that is, the bank). In other words, before you transfer the mortgaged property, you must first obtain the consent of the bank, otherwise you can't buy or sell it. If you sign the contract seriously, you must know the contents of the contract.
3. The bank generally requires the borrower to submit a written or telephone application 15 working days in advance, and the bank will examine and approve the borrower's mortgage repayment application after receiving it. After settlement, the bank will issue a settlement certificate and return his right certificate. Decompression only needs to be handled by the local construction Committee, and it needs to be queued when there are many people. Therefore, it usually takes about a month for banks to repay loans and mortgage loans.