After the mortgage is paid off, the materials to be prepared are mainly the borrower's ID card, loan settlement certificate, other warrants, real estate license and so on. Among them, the identity card and the house property right certificate are naturally in the hands of the customers themselves, and other warrants need to be retrieved from the bank after the mortgage is repaid, and the loan settlement certificate should be applied to the bank.

And if I don't have time to entrust others to help me with the pledge of understanding, the trustee should not only prepare the above materials, but also bring the power of attorney issued by the notary office and my ID card.

After paying off the loan, go to the Housing Authority to cancel the mortgage.

Procedures for release from custody:

1. After paying off the house purchase loan, the borrower first needs to obtain the sealed loan settlement certificate from the loan bank, and then issue the Notice of Release of House Mortgage to the management center. The sub-center will issue the Notice of Release of House Mortgage in triplicate, one for the center and two for the borrower.

2. Then get the real estate license. Need to go to the bank loan center to get the "Property Ownership Certificate" and the "Notice of Cancellation of Charge";

3. Finally, the borrower can go to the Housing Authority to cancel the mortgage with all the information.

First, how long can the mortgage be released after the house has repaid the loan?

The mortgage can be cancelled within one to two weeks after the house pays off the loan. After the house has paid off the loan, it will take some time to cancel the mortgage, and the lender needs to go through the relevant formalities at the bank and the municipal property rights exchange center with relevant certificates. The process is troublesome, but every link is handled quickly.

2. After the mortgage is paid off, can I not go?

1. After paying off the mortgage, if the customer has no time, he can entrust others to handle it without doing it himself.

2. The customer only needs to find his relatives and friends to issue a power of attorney at the notary office, and then give his ID card, real estate license, other warrants and loan settlement certificate to the other party, and then let the other party take the materials and my ID card to the local housing authority to understand the mortgage procedures.

3. Customers can wait until they have time, and then apply for mortgage in person. After all, there is generally no time limit for canceling the mortgage (however, it is best to cancel the mortgage registration as soon as possible after paying off the mortgage, so as to avoid the loss of some materials for too long and affect the procedures for canceling the mortgage).

3. Can the mortgaged house be directly transferred without releasing the mortgage?

Buying a house is generally a loan from a bank, and the bank will ask for a mortgage on the property. In other words, when the bank pays off the money, the bank can cancel the mortgage, and at the same time, the property can also be sold before listing. After the implementation of the Civil Code, the mortgagor may transfer the mortgaged property during the mortgage period. Unless otherwise agreed by the parties, if the mortgaged property is transferred, the mortgage right will not be affected.

Fourth, what should I pay attention to when decompressing real estate?

1, property decompression is generally handled by the Housing Authority. You need to prepare the certificate issued by the bank to pay off the loan and relevant materials, and then go to the trading hall to handle it. Note that there is no need to spend any money here.

2. If the owner who has mortgaged the loan has obtained the real estate license, he must also go through the mortgage cancellation formalities with the real estate license to the Housing Authority. As for the provident fund loan, he must go to the provident fund center to get the loan repayment certificate after the loan is over, and finally go to the trading hall to cancel the mortgage.

3. If the borrower wants to repay the loan in advance, he can refund a small amount of insurance money to the insurance company first, and generally pay the insurance premium according to the loan year when handling the loan again. If the loan is repaid in advance, like a loan for 20 years, it will be paid off in only 5 years, then the insurance premium for the next 15 years will be paid off.

Legal basis: Article 557 of the Civil Code of People's Republic of China (PRC)? Creditor's rights and debts shall be terminated under any of the following circumstances:

(a) The debt has been fulfilled.

(2) The debts offset each other;

(3) The debtor deposits the subject matter according to law.

(4) Creditors are exempted from debts;

(5) Creditor's rights and debts are owned by one person;

(six) other circumstances stipulated by law or agreed by the parties to terminate.

If the contract is terminated, the rights and obligations of the contract shall be terminated accordingly.

What information do you need to prepare for mortgage decompression?

The procedures required for mortgage decompression are as follows:

1. You can bring your ID card, contract, bank card or cash before decompression. Some banks need to make an appointment and return other certificates, power of attorney, settlement certificate and other materials within a few working days after acceptance.

2. Then the borrower takes these materials to the local housing authority to find out.

3. After decompression, the borrower can get the house book. At this time, you can pay attention to the mortgage records on the house, including the amount and duration of the mortgage, and the bank keeps the other warrants printed by the local housing authority.

4. After the loan is settled, the general bank will return the borrower's other warrants, and then take them to the Housing Authority to understand the mortgage situation. After printing the mortgage record, the date of canceling the mortgage will be 100% owned by the borrower, and the loan can be sold or mortgaged again.

When trying loan cases, the people's courts should follow the principles of voluntariness, mutual benefit, fairness and legality, protect the legitimate rights and interests of creditors and debtors, and limit high interest rates. According to the experience of trial practice, the following opinions are put forward for reference when trying such cases.

1. Lending disputes between citizens, between citizens and legal persons, and between citizens and other organizations shall be accepted as lending cases.

2 disputes arising from borrowing foreign currency, Taiwan dollars, treasury bills and other securities shall be accepted as loan cases.

3. If the loan-loan relationship is clear and the creditor applies for a payment order, the people's court shall examine and accept it in accordance with the relevant provisions of the Civil Procedure Law on supervision procedures.

4. When examining and prosecuting a loan case, the people's court shall require the plaintiff to provide a written iou according to Article 108 of the Civil Procedure Law; If there is no written receipt, the necessary factual basis shall be provided. A lawsuit that does not meet the above conditions shall be ruled inadmissible.

5. If the debtor's whereabouts are unknown when the creditor files a lawsuit, it shall be under the jurisdiction of the court where the debtor's original domicile or property is located. The court shall require the creditor to provide evidence to prove the existence of the loan relationship, and announce and summon the debtor to respond to the lawsuit after accepting it. After the expiration of the announcement period, if the debtor still fails to respond to the lawsuit and the loan relationship is clear, the judgment may be made by default after trial; If the loan-loan relationship cannot be ascertained, the lawsuit shall be suspended.

During the trial, if the debtor leaves, his whereabouts are unknown and the loan relationship is clear, he may make a judgment by default; If the facts are difficult to ascertain, the proceedings shall be suspended.

6. The interest rate of private lending can be appropriately higher than the bank interest rate, and the local people's courts can specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed four times (including interest rate) of similar bank loans. Beyond this limit, the excess interest will not be protected.

7. The lender shall not include interest in the principal to obtain high profits. If it is found during the trial that the creditor has included interest in the principal to calculate compound interest, only the principal will be returned.