After the bank mortgage is paid off, how to cancel the mortgage of the real estate license?

1. After paying off the mortgage, go to the loan bank to open a settlement certificate;

2. Bring the settlement certificate and ID card to the Housing Authority to apply for cancellation of mortgage;

3. The staff of the Housing Authority need to review and make sure that there are no problems before they can help with the mortgage cancellation procedures, and I can also get the real estate license back.

Extended information:

A concept

Housing loan, also known as housing mortgage loan, is a legal document such as housing mortgage loan application form, ID card, income certificate, housing sales contract, letter of guarantee and so on that the buyer fills in to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.

Second, the procedure.

1. The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant proof of the ownership of the house or the proof that I enjoy the rights of the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The title certificate, insurance policy or securities of the mortgaged property shall be kept by the bank.

4. The borrower and the guarantor of both parties of the borrower sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6. The loan applicant repays the loan on a monthly basis.

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