Pay off the mortgage.
What procedures do I need to go through after the mortgage is paid off?
Handle the cancellation procedures of house mortgage together with the loan bank; Go through the refund formalities of the corresponding insurance premium with the insurance company; Go through the formalities of refunding the deposit to the developer.
If you have already applied for the real estate license during the loan period, you only need to bring the cancellation form, other warrants and the bank's ID card to the window of the administrative service center.
If there is no real estate license, after the loan is paid off, take the cancellation form of the bank to the housing management office window for cancellation, and then apply for real estate license.
You must carry the following information:
1. Identity card or household registration book, copy of household registration certificate and private seal of the property owner and co-owner;
2. Purchase contract (original);
3. Have a copy of the contract;
4. Purchase invoice and copy;
5. Door license and copy.
Four, if there is more than one name on the property certificate, at least one property owner must be present, and the original ID cards of other property owners can also be handled. If there is a minor's name, the guardian must bring the guardian's identity certificate to the scene for handling.
Loan process of mortgage bank
Different banks have different specific procedures for issuing housing loans. Take ICBC as an example:
Personal housing provident fund (portfolio) loan
Your application for individual housing provident fund loans must comply with the provisions of the housing provident fund management department on housing provident fund loans. The basic conditions to be met include:
Have permanent residence in cities and towns or valid residence status;
(two) to participate in the housing provident fund and pay it normally;
(three) has a stable economic income, good credit and the ability to repay the principal and interest of the loan;
(four) there are legal and effective contracts, agreements and other supporting documents for the purchase and overhaul of housing;
(five) there are self-raised funds above the prescribed minimum amount, and it is guaranteed to be used to pay the down payment for the purchased (overhauled) housing;
(6) Having assets that meet the conditions of mortgage or pledge, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;
To apply for individual housing portfolio loans, as long as they meet the loan conditions of both individual housing mortgage loans and individual housing provident fund loans. It should be noted that the lender (principal lender) of the portfolio loan must be the same person.
To apply for an ICBC housing loan, the following basic conditions must be met:
1. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;
2. Have a good credit record and willingness to repay;
3. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;
4. The contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses;
5. Have the ability to pay the down payment of the purchased house;
6. Open a personal settlement account in China Industrial and Commercial Bank;
7. Being able to provide effective guarantee recognized by China Industrial and Commercial Bank;
8. Other conditions stipulated by China Industrial and Commercial Bank.