After the mortgage is paid off, the lender needs to go to the bank to understand the mortgage procedures and how to cancel the mortgage:

1. After the loan is settled, the borrower shall present the loan settlement notice issued by the bank to the loan bank or provident fund center, and issue the Notice of Cancellation of House Mortgage in triplicate.

2. The borrower shall go to the loan bank or provident fund center with his valid ID card and mortgage cancellation procedures, and receive the house ownership certificate and mortgage cancellation notice.

3. The borrower shall go through the mortgage cancellation procedures at the local property rights trading center with the above procedures.

Matters needing attention in handling housing loans

1. interest rate: there are many ways to handle mortgage loans, and the interest rates of different ways are not the same.

2. Purpose: Banks generally require the loan houses to provide reasonable loan purposes, such as decoration, business assistance and consumption. Of course, if the loan cannot be used reasonably and safely, the general intermediary company will find a way to deal with it.

3. proof of income: provident fund loans generally require 40% of wage income to repay the loan; Commercial loans of housing and home purchase guarantee companies generally require 50% of wage income to repay loans. So before buying a house, you should know how much you can borrow according to your salary and decide what price to buy a house.

4. Housing loan with unstable income: If your income is unstable or it is difficult for a loan officer to verify your income, if you can't get a loan from a commercial bank, go to a house guarantee company. For example, self-employed and taxi drivers have relatively unstable incomes and occupations, so it is easier to apply for housing loans in housing guarantee companies, and the policies here are relatively loose.

5. Precautions for foreigners to handle commercial loans: Generally, banks that handle commercial loans for foreigners require borrowers to have a stable income in the local area, and they must also open a household registration certificate at the place of registration (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.

6. Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, the prepayment should be made after 1 year, and the amount you return should exceed the repayment amount of 6 months.

7. Don't forget to find the bank around you if you have difficulty repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension. Don't forget to inform the rental obligation after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

8. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the principal and interest of the loan, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and other rights certificate of the mortgaged property. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

How to cancel the mortgage after the house loan is paid off?

1. After the loan is paid off, go directly to the borrowing bank to apply for repayment, and bring your ID card, monthly repayment card, loan contract and other materials; 2. The bank will issue a certificate to the owner that the loan has been paid off, and affix the seal of the loan on the owner's real estate license, and then the owner will take the ID card and real estate license to the local real estate department to cancel the mortgage; 3. After paying off the loan, the real estate bureau will also stamp the real estate license and cancel the mortgage registration.

What matters should be paid attention to when signing a pledge contract

1. The parties shall conclude a mortgage contract in writing.

2. Make it clear that the mortgage contract is a subsidiary contract of the main contract (loan contract), and when the main contract is invalid, the mortgage contract is also invalid. At present, China's laws prohibit lending between enterprises, but there is no such provision for lending between individuals, so we should pay special attention to the validity of the main contract when signing the mortgage contract.

3. It cannot be stipulated in the mortgage contract that "when the mortgagee fails to pay off the debt at the expiration of the debt performance period, the ownership of the collateral will be transferred to the creditor". This agreement has no legal effect.

4. If it is a property that must be registered as a mortgage, such as real estate, land, cars, etc. , used as collateral, it shall apply to the relevant departments for mortgage registration. If the mortgage registration formalities are not handled, the mortgage contract will not take effect; If other properties are used as collateral, they may voluntarily apply to the notary department for mortgage registration, and the effectiveness against a third party (except the mortgage contract) can only occur after the mortgage registration procedures are completed.

5. Pay attention to the legal department for mortgage registration. Only the land use right is mortgaged, which is the land management department that issues the land use right certificate; Where buildings such as urban real estate or factories of township (town) and village enterprises are mortgaged, the departments designated by local people's governments at or above the county level; Where forest trees are mortgaged, the competent forestry authorities at or above the county level; Where vehicles and ships are mortgaged, the means of transport registration department; Where enterprise equipment and other movable property are mortgaged, the administrative department for industry and commerce where the property is located.

Legal basis:

"Measures for the Administration of Urban Real Estate Mortgage Registration" Article 32 To handle the registration of real estate mortgage, the following documents shall be submitted to the registration authority:

(1) The identity certificate or legal person qualification certificate of the mortgagor;

(2) An application for mortgage registration;

(3) mortgage contract;

(4) State-owned land use right certificate, house ownership certificate or real estate certificate. For some houses, house ownership certificate and other * * * people's consent to mortgage must also be submitted;

(5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage;

(6) Information that can prove the value of mortgaged real estate:

(7) Other documents deemed necessary by the registration authority.

What is the process of paying off the bank loan and releasing the mortgage of the real estate?

After the real estate mortgage loan is paid off, the mortgage cancellation process is as follows:

1. Bring your personal ID card to the counter of the branch of the handling bank;

2. Provide evidence to pay off the loan, apply for a loan settlement certificate, and get back his warrants;

3. Bring personal ID card, loan settlement certificate, other warrants, real estate license and other materials to the local housing authority to apply for cancellation of mortgage registration.

The mortgage loan of real estate license refers to the loan applied for with the house as collateral, which is divided into mortgage house and second-hand house mortgage loan, and the house meets the requirements of the lender.

How to cancel the mortgage after the mortgage is paid off?

You can go to the loan bank to open a settlement certificate first; Then go to the Housing Authority to inquire with the settlement certificate and ID card.

The process of releasing the mortgage after the mortgage is paid off is as follows:

1. Ask for the loan settlement certificate. For the same mortgage cancellation procedure, you also need this loan settlement certificate to prove that your loan has been paid off in full.

2. Prepare mortgage cancellation information. There is little information about mortgage cancellation, and generally only the original ID card of the lender and the original loan settlement certificate are needed.

3. Apply to the loan bank for account cancellation. Bring the above materials to the personal loan center of your loan bank to apply for mortgage cancellation. You don't need a written application, you can apply orally.

4. Enter the cancellation information online. According to the documents you provide, the staff will input your identity information into the special online mortgage cancellation system, and then click on the appointment to cancel the mortgage, which means that your mortgage cancellation application has been submitted successfully, waiting for the online review and operation of the Housing Authority.

5. Check with the Housing Authority. The general staff will tell you that after about half a month, go to the Housing Authority to inquire about the cancellation of the mortgage of house ownership. If you can't find the mortgage information, it means that your house has gone through the mortgage cancellation procedures.

6. get back the real estate certificate. If the other party pawned your real estate license or issued a certificate of other rights to you at the time of mortgage, you can go to the mortgagee to get your real estate license back, or go to the Housing Authority to cancel other rights for the record.

：

1. Generally, for the mortgaged housing loan, the borrower can apply for mortgage cancellation after paying off all the loan principal and interest, and some banks can handle the mortgage cancellation procedures on his behalf. As the policies of mortgage registration agencies vary from place to place, please consult the loan handling outlets for details.

2. Prepare delivery information. In order to handle the mortgage cancellation procedures of vehicles, it is necessary to prepare corresponding materials, such as repayment bank flow and loan settlement certificate. There should be more information, not less, so as to avoid being unable to process it because the information is not gathered together.

3. Proof of loan settlement. The most important thing to handle the mortgage cancellation procedures is this mortgage cancellation certificate. Generally, this certificate will be issued to you by the lending institution one month after your loan is paid off. After receiving this card, you must keep it well and never lose it.

How to cancel the mortgage after the mortgage is paid?

1. Users should have proof of settlement, so as to prove that they have paid off all loans.

2. Users should prepare cancellation materials, generally as long as they have ID cards and proof of settlement.

Users should also remember to bring information when applying in the bank. Generally, oral administration is enough.

4. Staff need to input information in the system, and at the same time help to make an appointment and go through the formalities.

5. The staff of the Housing Authority need to check before they can help to cancel the mortgage. At the same time, you can get back the real estate license.

Extended information:

Housing loan, also known as housing mortgage loan, refers to the legal documents such as housing mortgage loan application form, ID card, income certificate, housing sales contract, guarantee letter and so on filled out by the purchaser to the loan bank. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

Common sense of loan interest

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30, and monthly interest rate (‰) = annual interest rate (%)÷ 12.

(2) Banks can use the cumulative interest method and transaction interest method to calculate interest.

1. Accumulate the account balance according to the actual number of days, and multiply the accumulated amount by the daily interest rate to calculate interest. The interest calculation formula is: interest = accumulated interest × daily interest rate, where accumulated interest = total daily balance.

2. The interest calculation method is to calculate the interest one by one according to the predetermined interest calculation formula: interest = principal × interest rate × loan term.

There are three specific points: If the interest period is a whole year (month), the interest formula is as follows: ① Interest = principal × number of years (months) × annual (month) interest rate. If the interest period is a whole year (month) and a few days,

The interest calculation formula is: ② Interest = principal × year (month) × year (month) interest rate principal × fractional days × daily interest rate. At the same time, banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap year) and actual calendar days per month.

The interest calculation formula is: ③ Interest = principal × actual days × daily interest rate. These three formulas are essentially the same, but because the interest rate conversion only takes 360 days a year, it takes 365 days a year to calculate the actual daily interest rate, and the result will be slightly biased. According to which formula, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.

(3) Compound interest: Compound interest refers to charging interest at a certain interest rate. According to the regulations of the central bank, the borrower will receive compound interest if he fails to repay the interest at the time agreed in the contract.

(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest charged by the bank to the defaulting party according to the contract signed with the parties is called bank penalty interest.

(5) loans overdue liquidated damages: the liquidated damages to the defaulting party are of the same nature as the penalty interest.

(six) the formulation and filing of interest calculation methods

After the bank mortgage is paid off, how to cancel the mortgage of the real estate license?

1. After paying off the mortgage, go to the loan bank to open a settlement certificate;

2. Bring the settlement certificate and ID card to the Housing Authority to apply for cancellation of mortgage;

3. The staff of the Housing Authority need to review and make sure that there is no problem before they can help with the mortgage cancellation procedures, and I can also get back the real estate license.

A concept

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

Second, the procedure.

1. The borrower shall fill in the Application Form for Housing Mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6. The loan applicant repays the loan on a monthly basis.