Many people care about buying a house with a loan. Because you want to apply for a real estate license, but the house is mortgaged, you should consider how to get a real estate license in the mortgage to buy a house. This problem is divided into two aspects: 1. See who has the title certificate, and there are several procedures to get it back after the loan is completed. One of the simplest cases is that the original property right certificate has been mortgaged in the bank. If this is the case, if the buyer has already repaid the loan, or repaid the loan in advance, and wants to return the insurance, he needs 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. Buyers will receive repayment vouchers after settling accounts in the bank at the agreed time, and the bank will also return the original real estate license, the original sales contract and the original insurance policy to the buyers. In this way, buyers can get back their real estate license, which has nothing to do with the bank. 2. However, due to the different operating regulations of different banks and different branches, some branches do not require that the original title certificate must be placed in the bank, only mortgage registration or other warrants are required, and buyers can hold their own title certificates with mortgage registration marks. If this is the case, after the buyer has repaid the loan, in addition to repeating the above steps, he has to go through the formalities of canceling the mortgage registration. After the buyer completes the settlement formalities with the bank, the bank will personally or entrust a lawyer engaged in mortgage registration to contact the State Administration of Land and Housing with jurisdiction to cancel the mortgage registration with the buyer. Different housing authorities have different requirements. In addition to all the above documents, buyers also need to bring the repayment certificate issued by the bank.
What procedures do I need to go through after the bank loan is paid off?
The following procedures are required:
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. Return the deposit to 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 the loan is repaid, take the cancellation form of the bank to the housing management office window for cancellation, and then apply for real estate license, you must bring the following information:
1. Copy of ID card or household registration book, household registration certificate, private seal of property owner and * * *.
2. Purchase contract (original).
3. Have a copy of the contract.
4. Purchase invoices and copies.
5. Door license and copy.
In addition, after the bank loan is paid off, you can go to the bank to issue a loan settlement certificate. Different banks have different time limits for receiving foreign exchange settlement certificates. It usually takes about a week, and Minsheng Bank can get it in five working days. It may take ten days and a half months at the latest. The bank loan settlement certificate generally has two purposes: one is to prove that the loan has been paid off and reduce the personal debt ratio; One is to cancel the loan mortgage. After three working days, the borrower can go to the bank to get the settlement voucher; Within seven to fifteen working days after the commercial loan is paid off, the borrower can get the settlement certificate from the bank. When printing the settlement voucher, the borrower should bring his ID card and loan contract. When the bank loan is paid off, the borrower can issue a loan settlement certificate to the relevant bank, and different banks receive the settlement certificate at different times. General banks require borrowers to collect the settlement certificate from the bank within seven working days after paying off the loan. There are also some banks that require borrowers to get the settlement certificate from the bank within 15 working days after paying off the loan. The borrower can contact the customer service of the relevant bank to inquire about the specific time to receive the settlement voucher, and the borrower should take the time specified by the bank as the standard. The borrower can go through the mortgage cancellation registration formalities at the local housing authority with the loan settlement certificate, or go through the surrender formalities at the corresponding insurance company with the loan settlement certificate. If the borrower fails to get the loan settlement certificate within the specified time, he needs to ask the bank for the loan settlement certificate. You can only get the settlement voucher after repayment, and the bank is a formal financial unit. There is no case where the intermediary receives the settlement certificate quickly. The borrower still needs to go to the relevant bank and get the settlement certificate according to the formal process. Remind everyone that you can't get the bank settlement certificate immediately after paying off the arrears. Don't believe that the intermediary can help you get it immediately, just to defraud your handling fee.
How long does it take for the bank to lend money?
It usually takes about half a month for a bank loan to be released. First, the bank evaluates the loan signing, which takes three to five working days, and then makes an appointment for decompression cancellation, which takes about half a month.
Generally speaking, after an individual applies for a loan, he brings the information given by the bank, including a copy of the business license of the borrowed bank, a copy of the legal person, a copy of the client, a certificate of other rights and other mortgage materials to the trading center for cancellation.
Extended data:
If it is a normal settlement, as long as the money is deposited into the designated bank card according to the previous requirements, the bank will automatically deduct the money.
If it is settled in advance, you need to contact the bank staff to help you deduct the money. Tell the other party that you want to repay in advance, deposit the remaining principal and the remaining interest of the month into the designated bank card, and the bank will deduct the money for you manually. Now some banks can self-service prepayment on their mobile phones.
Whether it is normal settlement or early settlement, it is necessary to keep the settlement voucher after settlement and go to the real estate registration center with the bank staff to decompress the house. The account manager has all the specific procedures. You just need to go to the real estate registration center together according to the requirements of the account manager.
Then you can get the mortgage-free room book. At this time, your house can be bought or sold or mortgaged again.
Second-hand housing needs to go through the formalities:
Step 1: loan settlement procedure
After you repay the mortgage, the first thing to do is to settle the loan, because the subsequent procedures need to provide proof of loan settlement.
Step 2: Cancel the mortgage procedure.
After handling the loan settlement procedures, you need to bring your ID card, loan settlement certificate and other documents to the housing management office to handle the mortgage cancellation procedures, because only after handling the mortgage cancellation procedures can you transfer the property to your own name and truly own the ownership of the house.
Go to the bank counter to print the loan settlement certificate, go to the loan center (file center) to get the real estate license and mortgage cancellation registration information (which is also directly obtained by the front desk department of the bank), and go to the property right registration department to handle the mortgage cancellation registration with my ID card and the above information. Different banks have slightly different processes. Please consult the handling bank for details.
If the loan handled by China Bank has been paid off, the borrower can go through the mortgage cancellation formalities at the real estate trading center where the real estate is located with the bank's loan settlement certificate and the certificate of other rights of real estate after paying off all the loan principal and interest. Please consult the agency staff in detail about the specific time.
If you are a property buyer, the seller pays the repayment yourself, so you'd better leave evidence. Besides making it clear what the money is for, you'd better be careful when you speak, and make a recording or video if possible. Be prepared for no trouble in the future.
To buy a house with a loan, the buyer must sign a mortgage agreement with the bank. This is to protect the rights and interests of banks. Once the buyer defaults on the loan, the bank has the right to repossess the property. After the buyer pays off the loan, everyone must cancel the mortgage registration in time.
What procedures do I need to go through after the bank loan is paid off?
The following procedures are required:
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. Return the deposit to 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 the loan is repaid, take the cancellation form of the bank to the housing management office window for cancellation, and then apply for real estate license, you must bring the following information:
1. Copy of ID card or household registration book, household registration certificate, private seal of property owner and * * *.
2. Purchase contract (original).
3. Have a copy of the contract.
4. Purchase invoices and copies.
5. Door license and copy.
Extended data:
Loan procedures:
1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information.
(1) Basic information of the borrower and guarantor;
The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;
(3) Rectification of original unreasonable loans;
(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;
5] Project proposal and feasibility report;
(6) Other relevant information deemed necessary by the Bank.
2. Credit rating evaluation. The bank evaluates the borrower's credit rating.
3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.
4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.
5. sign a contract. The bank signs a loan contract with the borrower.
6. Loan issuance. The bank issues loans on schedule according to the loan contract.
7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.
8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.