When the loan is cancelled, all you need to do is pay off the money and collect the bill. His certificate of rights will be sent to the real estate bureau for cancellation, so you don't have to run by yourself. If you ask to go to the bank, you should see the green notebook. Land certificates are not available everywhere. Generally, the local government will combine the real estate license and the land certificate into one, and the land certificate is only the lease term of your land. For example, I am in Xi 'an, where there is only a real estate license and no land certificate.
2. Chengdu Construction Bank uses real estate as mortgage loan.
When the real estate has no mortgage arrears in the bank and no other mortgage arrears, making a mortgage loan to the bank is called the first bank mortgage.
Handle bank mortgage loan 1
1. Customers who apply for mortgage loans can sign a repayment period of 10 to 15 with the bank at the longest, and pay it back every month according to the monthly payment method.
Payment. (Both China Everbright Bank and China Construction Bank can handle it, and the number of years of housing area is also limited. )
Return the interest to the bank, and also require a one-time repayment of the principal on the repayment date. If it can't be repaid at maturity, it can be the same. Credit cooperatives can also handle square meters of houses. )
Information required for the first mortgage of real estate and its handling process (bank):
1. Property certificate. Individual (married) or divorce certificate (divorced). Personal income certificate. Renovation contract
(operated by our company),
2. Apply for mortgage consumer loans from banks and sign mortgage contracts with banks.
3. Evaluate and issue an evaluation report.
4. The bank recognizes the contract, goes to the real estate bureau for mortgage registration, and goes to the insurance company to buy insurance. After the real estate bureau issues the title certificate, the bank
make a touch
Real estate secondary mortgage (bank
Mortgage payment obtained by a mortgage bank from a bank. After the mortgage is paid off, you can go to the bank again!
Information required for the first mortgage of real estate and its handling process (bank):
1. 30 days one month in advance)
2. After repayment, the first mortgage registration needs to be cancelled at the real estate bureau (5- 10 working days).
3. After paying off the bank debt for the first time, apply for a mortgage loan from the bank again and examine and approve the contract with the bank.
Pass the customs, submit materials: real estate license, ID card, household registration book, marriage certificate (married) or divorce certificate (divorced), personal income certificate.
Ming renovation contract (operated by our company) has no bank debt certificate and personal reputation. (15 days)
4. The bank recognizes the contract, goes to the real estate bureau for mortgage registration, goes to the insurance company to buy insurance, the real estate bureau issues the ownership certificate, and the bank lends money.
(15 days)
That should be very detailed. If you still don't understand, go to Chengdu Huiren's website and have a look ~
3. How does CCB mortgage loans with real estate licenses?
Legal analysis: mortgage loan process of CCB real estate license: 1. Take the real estate license to the district and county real estate bureau where the property right house is located to ask whether the property can be registered as mortgage; 2. If you can handle it, bring relevant materials to CCB to apply for a mortgage loan; 3. evaluation; 4. Ratification; 5. The borrower holds the real estate license and loan contract to the county real estate bureau where the real estate is located to handle the mortgage registration formalities, and the agency expenses shall be borne by the borrower; 6. After the mortgage registration is completed, CCB can issue the loan to the borrower's personal savings account.
Legal basis: Article 3 of the Measures for the Administration of Urban Real Estate Mortgage The term "real estate mortgage" as mentioned in these Measures refers to the act that the mortgagor provides the mortgagee with debt performance guarantee with his legal real estate without transferring possession. When the debtor fails to perform the debt, the creditor has the right to be paid in priority with the proceeds from the auction of mortgaged real estate according to law. The term "mortgagor" as mentioned in these Measures refers to a citizen, legal person or other organization that provides legally acquired real estate to the mortgagee as a debt guarantee for himself or a third party. The term "mortgagee" as mentioned in these Measures refers to the citizens, legal persons or other organizations that accept real estate mortgage as the debtor's debt guarantee. The term "pre-purchased commercial housing loan mortgage" as mentioned in these Measures refers to the behavior that after the purchaser pays the down payment, the loan bank pays the remaining house payment and mortgages the purchased commercial housing to the loan bank as a loan repayment guarantee. The term "mortgage of construction in progress" as mentioned in these Measures refers to the act that the mortgagor, in order to obtain the construction loan of construction in progress, mortgages the legally obtained land use right together with the investment assets of construction in progress to the loan bank as a loan repayment guarantee without transferring possession. Article 4 Where the legally acquired ownership of a house is mortgaged, the land use right within the occupied area of the house must be mortgaged at the same time. Twenty-fifth real estate mortgage, mortgage parties shall sign a written mortgage contract. Article 26 A real estate mortgage contract shall include the following main contents: the name and domicile of the mortgagor or mortgagee; The type and amount of principal creditor's rights; The location, name, condition, construction area, land area and scope of the mortgaged real estate; The value of mortgaged real estate; Occupation manager, occupation management mode, occupation management responsibility and responsibility for accidental damage or loss of mortgaged real estate; The time limit for the debtor to perform the debt; Conditions for the loss of mortgage; Liability for breach of contract; Dispute resolution methods; (ten) the time and place of conclusion of the mortgage contract; (eleven) other matters agreed by both parties.
4. What is the interest rate of the second home loan of CCB?
Because the second loan does not need to remove the previous mortgage, the available funds are the evaluation price MINUS 8.5% (average) of the previous loan balance, plus financial management.
According to the regulations of Chengdu Bank, if the interest rate of housing second mortgage is 12-60 months, the interest rate is generally 40% higher than the benchmark interest rate.