The following procedures are required:
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. Return the deposit to the developer (if any). If you have already applied for the real estate license during the loan period, you only need to bring the cancellation form, other warrants and the bank's ID card to the window of the administrative service center.
If you don't have a real estate license, please take the cancellation form of the bank to the housing management office window for cancellation after the loan is repaid, and then apply for a real estate license. You must bring the following information:
1. Copy of ID card or household registration book, household registration certificate and private seal of the property owner and co-owner.
2. Purchase contract (original).
3. Have a copy of the contract.
4. Purchase invoice and copy.
5. Door license and copy.
In addition, after the bank loan is paid off, you can go to the bank to issue a loan settlement certificate. Different banks have different time limits for receiving settlement certificates. It usually takes about a week, and Minsheng Bank can get it in five working days. It may take ten days and a half months at the latest. There are generally two purposes of bank loan settlement certificate: one is to prove that the loan has been paid off and reduce the personal debt ratio; First, it is used to cancel the loan mortgage. After three working days, the borrower can go to the bank to get the settlement certificate; Within seven to fifteen working days after the commercial loan is paid off, the borrower can go to the bank to get the settlement certificate. When printing the settlement certificate, the borrower should bring his ID card and loan contract. When the bank loan is paid off, the borrower can issue a loan settlement certificate to the relevant bank, and different banks receive the settlement certificate at different times. General banks require borrowers to go to the bank to get the settlement certificate within seven working days after paying off the loan. There are also some banks that require borrowers to get the settlement certificate from the bank within 15 working days after paying off the loan. The borrower can contact the customer service of the relevant bank to inquire about the specific time to receive the settlement certificate, and the borrower should focus on the time specified by the bank. The borrower can go through the mortgage cancellation registration formalities at the local housing authority with the loan settlement certificate, or go through the surrender formalities at the corresponding insurance company with the loan settlement certificate. If the borrower fails to get the loan settlement certificate within the specified time, he needs to ask the bank for the loan settlement certificate. You can only get the settlement certificate after repayment, and the bank is a formal financial unit. There is no case where the intermediary receives the settlement certificate quickly. The borrower still needs to go to the relevant bank and get the settlement certificate according to the formal process. Remind everyone that you can't get the bank settlement certificate immediately after paying off the arrears. Don't believe that the intermediary can help you get it immediately, just to defraud your handling fee.
What procedures do you need to apply for the real estate license for the house you bought with the loan?
Legal analysis: the process of loan to buy a house and real estate license
1. Let's take a look at the house purchase contract, which has the deadline for handling the real estate license. It is the offer clause in the developer's contract, and you can basically know the approximate time.
2. The way to handle the real estate license is as follows: on the premise that the developer completes its own relevant procedures, the owner is required to hand over the contract, payment certificate, loan certificate, invoice, ID card and other materials or copies of sales reports to the developer, who will handle the real estate license on his behalf. The materials that developers need to prepare include various land payments, taxes and other items, as well as the acceptance and delivery procedures of commercial housing.
3. When handling the real estate license, the owner should pay attention to the fact that the registered property owner of the real estate license should be present when receiving the license, bring his ID card and sign it. At the same time, relevant expenses should be paid, including deed tax, stamp duty and production cost.
4. If there is a mortgage loan for house purchase, the real estate license needs to be registered with the loan bank.
Mortgage to buy a house loans to buy a house, and the general bank regulations, only in the case of red real estate can apply for mortgage loans. Therefore, houses that can be mortgaged generally have real estate licenses. While handling the mortgage loan, the real estate license is already being processed, and the real estate bureau can generally lend money in about one month. After the loan is paid, the bank will generally mortgage it to do other things. After the completion, the bank will choose to return the Great Red Book to the owner or detain it in the bank.
Legal basis: Article 60 of People's Republic of China (PRC) Urban Real Estate Management Law. The state practices a system of registration and certification of land use rights and house ownership.
Article 209 of the Civil Code of People's Republic of China (PRC) stipulates that the establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.
How to borrow money to buy a house?
If you have a mortgage to apply for a real estate license, you need to bring your ID card, household registration book, marriage certificate, purchase contract, relevant property right certificate and other materials to the housing management department to submit an application, and the developer will handle the initial registration of property rights in the housing management bureau; The housing management department carries out surveying and mapping on the real estate, issues receipts, pays taxes according to the date specified in the receipts, and handles the mortgage registration of the real estate license after receiving the real estate license.
legal ground
Thirtieth measures for the administration of urban real estate mortgage
Within 30 days from the date of signing the real estate mortgage contract, the mortgage parties shall go to the real estate management department where the real estate is located for real estate mortgage registration.
Article 61 of the Urban Real Estate Management Law
When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.
Article 2 10 of the Civil Code
The registration of real estate shall be handled by the registration agency where the real estate is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.
What should I do if I buy a real estate license with a loan?
Everyone doesn't like borrowing money to buy a house, because if they borrow money, they will be under pressure. This method is relatively suitable for some families who are not well-off and have to buy a house through loans. The following small series will introduce you to how to buy a real estate license with a loan.
First of all, it depends on whether you buy a second-hand house or a new house.
1, new house, apply for a loan after giving a down payment, and repay it every month after the loan is successful. Generally, it takes some time to hand over the house, and the real estate license can only be issued after staying for one or two years.
2. If it is a second-hand house, the contract is signed and the loan is successful. Go to the real estate bureau to handle the second-hand housing transaction, and then issue the real estate license. You can apply for a loan mortgage. After completing the formalities, the real estate license is yours.
What should I pay attention to when buying a house with a loan?
1, you'd better do what you can.
Some people say that "there is pressure to have motivation", so these people directly chose a big house when buying a house, and finally fell into the embarrassing situation of "losing money and returning the house"!
2. Give priority to provident fund loans.
Recently, the mortgage interest rate has been continuously raised, which undoubtedly greatly increased the pressure on buyers. It is suggested that property buyers can give priority to provident fund loans when buying a house, so that they can pay less interest. However, it should be noted that not all properties support provident fund loans, so everyone must ask in advance before buying a house.
3. Prepare loan application materials in advance.
When applying for a mortgage, the bank will need the borrower to provide a lot of information, so at this time, the buyers will postpone the mortgage because of the problem of applying for loan information. Therefore, it is best for buyers to learn the detailed information of mortgage application from the loan bank first, and prepare the loan application materials in advance, which will undoubtedly speed up the bank's lending.
4. Ask the bank for help when there is no money to repay the loan.
The road to repayment is long. In the event of a major accident, buyers may not be able to repay their loans on time. No matter how difficult you are, don't abandon your house and cut off your mortgage, otherwise the consequences will be unimaginable. If you don't have the money to repay the loan, you might as well ask the bank for help, or you may apply for deferred repayment.
5. Keep personal credit information good.
Good personal credit information is a prerequisite for obtaining bank loans. If you keep good personal credit information, you can not only get a loan quickly, but also enjoy a discount interest rate. If your personal credit information is defective, even if you successfully get a bank loan, you will often be asked to raise the mortgage interest rate and increase the down payment ratio.
Summary: That's all about how to borrow money to buy a house. When dealing with it, it must be decided according to the actual situation. We should know that there are still some differences between the handling of new houses and second-hand houses. I hope the above introduction will be helpful to everyone.