1, loan settlement procedure

After the mortgage is paid off, you need to go to the bank to go through the loan settlement procedures and get the loan settlement certificate and other property certificates. The bank needs to stamp the official seal on the other property certificates and indicate the cancellation opinions. If the title certificate is mortgaged in the bank, you need to get the title certificate.

2, housing mortgage procedures

Then you need to go to the Housing Authority to handle the mortgage cancellation procedures, submit the real estate license, other warrants stamped with the official seal of the bank, loan settlement certificate and other materials, cancel the mortgage registration of the house, and cancel the mortgage status.

3. Housing transfer procedures

Similarly, in the Housing Authority, after the house is released, it is necessary to provide the identity card of the owner and the owner, the original and photocopy of the household registration book, the purchase contract, the real estate license, handle the house transfer procedures, and obtain the ownership of the house.

If the real estate license needs to be added, both parties need to be present and provide their valid identification materials.

4. Insurance surrender procedures

When you apply for a mortgage, you also need to apply for relevant insurance, and the beneficiary of the insurance is the bank. Then, after the mortgage is paid off, you need to bring personal identity documents, insurance policies, loan repayment certificates and other materials to the insurance company for surrender procedures or change the insurance beneficiary.

It should be noted that the insurance premium refunded by the insurance company is calculated according to the number of insurance days. The sooner you surrender your insurance, the more insurance premiums you can refund. It is recommended to go through the surrender formalities as soon as possible.

5. Refund of deposit

If you pay a deposit to the developer when you buy a house with a loan, you need to go to the developer to refund the deposit after the mortgage is paid off. If you don't pay the deposit, you can go through the formalities of mortgage cancellation, transfer and surrender after the mortgage is settled.

The procedures for applying for bank loans are as follows:

1, loan application. Borrowers apply for loans from local banks. In addition to applying for small loans in rural areas, relevant information is required when applying for other types of loans.

(1) Basic information of the borrower and guarantor;

(2) the financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;

(3) the correction of the original unreasonable loan;

(4) List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee;

(5) Project proposal and feasibility report;

(6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

5. sign a contract. The bank signs a loan contract with the borrower.

6. Loan issuance. The bank issues loans on schedule according to the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.

8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.

The mortgage purchase process is as follows:

1. Sign the house purchase contract.

At this time, we need to pay attention to the audit of "five certificates": state-owned land use certificate, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit.

2. Pay the down payment and pay attention to keep the down payment receipt.

3. Fill in the personal housing loan application form in the bank.

Bring the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts), income certificate and other originals and copies to the bank to fill in the application form for personal housing loan.

4. Banks review mortgage applications.

The bank's credit staff will review and approve the materials submitted by the applicant step by step. If it is considered that it meets the conditions of bank loans, the applicant shall be notified to sign the Individual Housing Mortgage Loan Contract, and the contract period shall not exceed 30 years.

5. Go to the Housing Authority to apply for the certificate of other rights of the house.

It is used to prove that the property has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage, and go to the insurance company for home insurance.

The above procedures will generally be handled by the bank.

6. Open an account.

Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.

7. Recover the loan.

With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.

8. Repay as agreed.

The borrower must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can recover the house according to law.

9. Repay the loan.

After the loan principal and interest are settled, the mortgage registration is cancelled, and the buyer becomes the real owner of the house.