After paying off the loan, the bank shall issue a debt settlement certificate and cancel the mortgage registration materials. If the bank entrusts you to go to the trading center to cancel the mortgage, it will give you this information.
Repayment of loan in advance:
First of all, don't forget to surrender the loan in advance.
When the lender handles the loan, the bank will cancel the pledge. For example, if prepayment procedures are required, Hefei Small Loan Bank usually requires the lender to submit a written or telephone request 15 working days in advance, and the bank receives the loan.
If it is a lender who settles the full balance, Hefei micro-loan is to make the remaining loan amount after the bank, so that the lender can take out the remaining money to repay the loan in advance.
Second, pledge cannot be ignored.
The danger of the owner's falling price after the down payment is paid off. After the borrower settles all the balance in advance, the bank will show the settlement confirmation form, and the lender will make plans after taking care of the copy of the loan settlement confirmation form issued by the bank and the original system of each bank.
Third, prepayment needs preparation.
At present, some banks will release the pledge themselves. After the pledge is released, the lender needs to go to the bank to get a copy of the household registration book. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks need to charge a certain amount of non-compliance. If the depositor pays off the loan, he must not forget to pledge a certain loan, and he cannot ask for surrender.
Extended data:
Information to be submitted when applying for a loan
(1) Copy of ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents);
(2) Proof of the borrower's repayment ability recognized by the loan bank;
(3) Legal and effective housing purchase (construction, overhaul) contracts, agreements and relevant approval documents;
(4) Relevant certificates of self-raised funds used by the borrower to purchase (build or overhaul) the house;
(5) House sales (pre-sale) license or house property certificate (existing house) (copy);
(6) Other documents and materials required by the lending bank.
Customer loan process
(1) loan consultation: learn about the object, loan conditions, loan amount, term, interest rate, repayment method and loan procedure of individual housing loans through outlets, telephones or websites;
(2) Loan application: submit the materials required for the bank to apply for individual housing loan;
(3) Signing a contract: After the customer's application is approved, sign a housing loan contract with the bank;
(4) Loan issuance: When the conditions are met, the bank will issue loans according to the contract;
(5) Customer repayment: the customer repays the loan on time as agreed in the contract;
(6) Post-loan service: customers enjoy new products and value-added services provided by banks.
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