1. loan settlement procedure.
After you repay the mortgage, the first thing to do is to settle the loan, because the subsequent procedures need to provide proof of loan settlement.
There are two ways to settle the loan, one is to repay the loan on time and go through the settlement procedures, and the other is to go through the prepayment procedures. Either way, you can go to the bank to get the mortgage cancellation materials and issue a loan settlement notice after completion; Then apply for cancellation, bring the loan settlement notice issued by the bank and the house ownership certificate, apply to the real estate management department for cancellation of mortgage registration, and receive the mortgage cancellation receipt; Finally, do understanding and redemption.
After the materials are submitted, you can go to the real estate management department to get the property right certificate with the receipt and ID card within two working days, and the whole lending process is completed.
Second, the mortgage cancellation procedure.
After handling the loan settlement procedures, you need to bring your ID card, loan settlement certificate and other documents to the housing management office to handle the mortgage cancellation procedures, because only after handling the mortgage cancellation procedures can you transfer the property to your own name and truly own the ownership of the house.
It usually takes 65,438+00 working days to cancel the mortgage, that is to say, it takes about 65,438+00 days to transfer the mortgage. The shorter the mortgage cancellation time, the shorter the transfer time.
3. Insurance surrender procedures.
When we apply for a mortgage in a bank, we often need to apply for some related insurance business as a guarantee, and after the mortgage is paid off, we naturally need to go to the insurance company for surrender procedures.
Four, the deposit refund procedures.
Loan to buy a house may have to pay a deposit at the developer, so after the mortgage is paid off, you need to go to the developer to refund the deposit.
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on.
After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.