The property can be mortgaged again half a month after the mortgage is released, provided that the loan is paid off and the mortgage is fully due. After the mortgage of the property is released, the loan is settled. After the borrower settles the mortgage, he will issue the Notice of Cancellation of House Mortgage to the Provident Fund Center with the loan settlement notice issued by the bank. To obtain the certificate of other rights, the borrower shall go to the provident fund center to receive the certificate of other rights and the notice of mortgage cancellation with his valid identity certificate and mortgage cancellation procedures. Then go through the formalities of knowing the charge.

How to handle the mortgage formalities of real estate?

1, apply for real estate mortgage registration;

2. The applicant fills in the Application Form for Urban Real Estate Registration and submits the materials;

3. The applicant can withdraw the registration before the final judgment;

4. Handle the preliminary examination of real estate mortgage registration (1-2 working days);

5. The window receiver issues a receipt list and collects fees;

6. The recipient shall review the registration materials as required, enter the ownership registration information and sign the preliminary examination opinions;

7, if necessary, also need to conduct on-site investigation;

8. Real estate mortgage registration review (1-2 working days);

9. The auditor shall review the registration materials as required, check the electronic data and sign the audit opinions. Do not meet the conditions, return, a one-time notice to fill. If it does not meet the requirements, it shall notify the applicant of the decision not to register or suspend the registration (within 7 days);

10, handle the final registration of real estate mortgage (1-2 working days), and the final examiner will review the registration materials as required, check the electronic data and sign the final opinion.

Precautions for housing mortgage?

1. If the real estate mortgage term is new house mortgage, the long-term loan term cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure.

2. Real estate mortgage loan amount The real estate mortgage loan amount depends on the value evaluation of the real estate license, which is lower than the market price of the real estate license. Generally speaking, the evaluation value of real estate license will be affected by some factors, such as the use time, market value, location, property type, liquidity and so on. The mortgage loan ratio of real estate license shall not exceed 70% of the appraised value of real estate license.

3. The conditions required for real estate loans are natural persons who have reached the age of 65,438+08-60, have full capacity for civil conduct, have a long-term and stable source of income, and are sufficient to pay the monthly loan principal and interest; The property right of the real estate license should be clear, without any other mortgage; The age of the house plus the loan period shall not exceed 40 years; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.