It is more complicated to repay the loan in advance to get back the real estate license, which generally requires a bank to get it. After the loan is paid off, the bank will also return the relevant materials. If the borrower settles the loan normally, then the real estate license will be taken by the borrower himself.
Every bank has the shortest repayment period, during which prepayment is not allowed. After the borrower repays the mortgage in advance, he needs to bring the bank loan contract, repayment certificate and other documents to the Housing Authority to cancel the mortgage registration. You can't get back the real estate license until you complete the mortgage cancellation registration. In general, it takes about two weeks to get it.
Extended data:
1. Ask the lending bank if it is possible to repay the loan in advance. You can consult by phone.
2. If you agree to prepay, the lender will go to the bank with ID card (foreign buyers need temporary residence permit), loan contract and other documents.
3. Fill in the application form and submit the application for prepayment.
4. According to the requirements of the bank, deposit enough repayment amount into the repayment account of the bank.
5. Go to the bank to sign relevant documents; Get back the certificate of other rights, the certificate of full repayment of the loan, the original mortgage insurance contract, the relevant documents and some documents of the cancellation of the mortgage of the real estate license.
Note: In this process, remember to get back the original insurance contract of mortgage loan.
6. Go to the real estate management department (such as the district and county housing management bureau) to go through the mortgage cancellation procedures. The real estate department will take back his right certificate and stamp your real estate license, indicating that the mortgage has been cancelled.
7. When going to apply for insurance, the insurance company shall provide the original and photocopy of the mortgage insurance policy contract, the invoice of the insurance policy, the certificate that the bank has paid off the loan, the ID card and other documents, and then fill out the form to receive the remaining insurance balance after settlement.
8. After the application for early repayment of the loan is filed, it only takes a few working days at the earliest and can be completed within one month at the latest.
9. During the processing, the bank staff will make an appointment with you by telephone in time to inform you of the next processing procedure.
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