1. The premise of mortgage cancellation is: loan settlement.

2. After the loan is settled, go to the credit department to cancel the mortgage with the settlement voucher of the accounting department, which can be completed in 3-5 days.

You can sign a house purchase contract first, pay the down payment and help the original owner pay off the bank loan as soon as possible.

4. You can also find a guarantee company to repay the loan in advance and cancel the mortgage contract.

What procedures does ABC need to repay the loan in advance? How to lend money after repayment?

Call the bank, tell the bank that you have to repay the loan in advance, and then take the money or bank card to the bank to repay the loan. The bank will calculate the principal and interest of the loan, and then return the money to the bank according to the amount on the loan repayment certificate. Go to the transaction hall of the Real Estate Administration Bureau to handle the mortgage cancellation procedures, that is, go to the Housing Authority to handle the mortgage cancellation procedures of other rights of the real estate license and get back the real estate license.

How to handle mortgage procedures for provident fund loans?

As for the use of provident fund loans, it is necessary to go through the mortgage cancellation procedures in the trading hall after the repayment is over and the provident fund center issues the repayment certificate.

In addition, if the lender repays the loan in advance, it can also refund part of the insurance premium to the insurance company. Generally, when applying for a mortgage loan, you should pay the insurance premium for as many years as possible. If the loan is repaid in advance, for example, after 20 years, the remaining 15 years of insurance premium will be refunded.

The advance loan procedure of most banks is: prepayment. Bring your identification. Go to the counter, and then the bank will return the property right certificate that was originally placed in the bank to you. Then go to the housing authority to apply for a real estate license.

Go through the above procedures and the house will belong to you completely.

(The above answers were published on 20 15-06- 16. Please refer to the actual situation for the current purchase policy. )

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