1. First of all, we need to know that after the loan is paid off, we need to go to the bank to issue a settlement certificate. Just after the loan was deducted in the last month, we can go to the bank to apply for the loan settlement certificate directly. There is generally no need to make an appointment in advance. If the loan is repaid in advance, some banks need to make an appointment in advance. You can go directly to the counter for settlement, or transfer the money to the loan account on schedule, and the bank will automatically deduct the money when it expires.

2. After handling, the bank will issue a loan settlement certificate, indicating that the loan has been paid off. When handling, you need to bring your resident ID card, debit card, loan contract and proof of repayment last month, and then contact the loan account manager at the counter to handle it.

3. After the loan is settled, bring the bank loan settlement certificate and the real estate certificate, and then go to the local real estate trading center to go through the mortgage cancellation procedures, reminding some local loan bank account managers that they need to make an appointment or accompany them. The regulations vary from place to place, so you can consult the local real estate trading center or bank.

4. Then take the mortgage cancellation procedure to the loan bank, go directly to the counter to verify the relevant documents of mortgage cancellation, and then take the real estate registration certificate.

What should I pay attention to when issuing a loan income certificate?

1. Applicants need to consider their own work situation and the economic situation of their workplace. If you are an employee in the sales, finance and other industries in a first-tier city, you can write a higher income appropriately, as long as you can ensure that you can afford the monthly payment in the future.

2. Before applying for a mortgage, buyers should ask the bank about the format requirements of income proof, because each bank has different requirements for income proof. Generally speaking, major banks have different requirements for the format of income certificates. Some banks have a unified format, while others don't. You can ask the loan bank in advance and ask the bank to give you a copy if there is a unified format.

The above is what Bian Xiao shared for you about how to open a loan settlement certificate. More information can focus on the construction industry and share more dry goods.