After the house loan is paid off, you need to go through the formalities at the bank where the loan is located and get his property right certificate. The bank will stamp the official seal on the other party's property right certificate and write down the cancellation opinions, such as: the loan has been requested and you agree to cancel the mortgage.
Then the property owner himself carries the real estate license, other warrants and the original ID card to the mortgage department of the property right department of our bureau for mortgage cancellation registration. If there is more than one name on the property right certificate, at least one property owner must be present, and the original ID cards of other property owners can also be handled. If there is a minor's name, the guardian must bring a certificate to prove the identity of the guardian.
It's been three months since I applied for a mortgage. I recently received a text message saying that the application was successful. What's the next procedure?
You must prepare bank collateral and your own salary certificate, which is 2 to 2.5 times the loan amount.
Banks usually need the last six months to run smoothly.
Divided into wage flow and cash flow. . .
Bank special paper printing, interest settlement should be accurate, and the amount should be reached.
Mortgage, loan, visa, employment
Act as an agent
Banks are flowing all over the country, hoping to help.
I paid off my car loan on WeChat in advance. What should we do next?
If the car loan is not overdue, you can apply for other loans or credit cards.
Credit card processing conditions:
To apply for a credit card, you must be at least 18 years old and have a stable income or other economic proof before you can apply for a credit card.
Credit card processing conditions:
At least 18 years old;
Need my second-generation ID card;
A work certificate and income certificate stamped with the financial seal of the unit;
No bad credit record;
Other financial certificates, such as real estate, cars, stocks, bonds, etc.
Credit card application process:
Fill in the application form;
Information of the bank itself and a copy of the information;
The bank sends it to the credit card center;
The credit card center conducts audit, business card printing and card issuance;
After getting the card, I opened the card and waited for the password letter.
What are the procedures for repaying part of the loan in advance?
Call the bank loan department one month in advance. A month later, take your ID card and copy and go directly to the bank. Fill in the form on the spot. The bank staff will take care of it. You can shorten the loan term at the same time after you have paid back 6.5438+0.5 million yuan.
After the housing loan is repaid, do you need to go through any formalities?
After the loan is paid off, with the loan settlement certificate and the mortgage cancellation application issued by the bank, as well as my ID card, house purchase contract or house ownership certificate, I will go to the real estate mortgage registration department for mortgage registration cancellation.
1. After the house loan is paid off, you need to go through the formalities at the bank where the loan is located and get his property right certificate. The bank will stamp the official seal on his property right certificate, indicating the cancellation opinion, such as: the loan has been repaid, and you agree to cancel the mortgage.
2. Then, the property owner holds the original real estate license, other warrants and ID cards to go through the mortgage cancellation registration procedures at the mortgage department of the local property housing security and real estate administration.
3. If there is more than one name on the property right certificate, at least one property owner must be present, and the original ID cards of other property owners can also be handled. If there is a minor's name, the guardian must bring a certificate to prove the identity of the guardian.
What procedures do I need to go through after the mortgage is paid off?
After the house purchase loan is paid off, the homeowner still needs to deal with the following things:
1. Handle the mortgage cancellation formalities with the loan bank.
2. Go through the refund formalities of the corresponding insurance premium with the insurance company.
3. Handle the deposit refund formalities with the developer (if any).
If you have applied for the real estate license during the loan period, you only need to go to the window of the administrative service center housing management office with the cancellation form, other warrants and bank ID card. If there is no real estate license, after repaying the loan, take the cancellation form of the bank to the housing management office window for cancellation, and then apply for the real estate license. When handling the real estate license, you need to bring the following materials:
1. Copy of ID card or household registration book, household registration certificate, private seal of property owner and * * *.
2. Purchase contract (original).
3. Original and photocopy of the contract.
4. Purchase invoices and copies.
5. House number and copy.
6. Marriage certificate and photocopy or unmarried certificate.
In addition, when banks handle housing loans, they generally register real estate as mortgage, and the real estate license with mortgage registration mark restricts the transaction and re-mortgage of real estate. After the loan is paid off, the property owner needs to go to the bank to cancel the mortgage registration, and then go to the Housing Authority to cancel the mortgage registration after the house purchase loan is paid off and the formalities are completed. At this time, the owner has full ownership of the property and can also conduct some transactions.
The real estate license has not come down yet, and the house payment has been paid in advance. What's the next procedure? Great gods, help!
Then wait, first get the title certificate, then rely on the title certificate, and then get the land certificate. There should also be two books (quality guarantee, instruction manual) and purchase invoices.
Do I need to go through the formalities of understanding the mortgage after prepayment of the mortgage?
Need to be released.
After paying off the mortgage loan, the bank will issue the settlement procedures within 1-3 working days. With the settlement procedures, you can go to the real estate bureau, then you can complete the mortgage cancellation, and then you can go through other transfer procedures.
The following materials shall be submitted for the property transfer formalities:
1. Personal creditor's rights mortgage: cancel at the trading center with my certificate and creditor's receipt or running bill (with correct amount) and debtor's ID card (or copy of business license) that can be proved to creditors.
Second, the bank credit mortgage: individuals also apply for loans, with the information given by the bank, including (copy of the bank business license, copy of the legal person, copy of the client, proof of other rights, etc.). ) and the real estate license to the trading center for cancellation.