The inheritance process of the loan house is as follows:
1. Mortgaged houses can be inherited by legal inheritance or testamentary inheritance;
2. The heir who obtained the house can go to the bank to change the borrower after going through the transfer formalities;
3. After the change, you can repay the loan according to the contract, or you can cancel the mortgage registration after paying off the loan to the bank at one time.
Real estate inheritance registration procedures:
1, all legal heirs and legatees accept the inspection of inheritance materials;
2. The applicant signs the inheritance real estate registration certificate. The real estate registration agency can inquire whether the heirs or legatees are complete, whether they are willing to accept or give up inheritance, whether they have objections to the content and authenticity of the real estate inheritance agreement or will, and whether the submitted materials are true, and make records, which shall be signed by all relevant personnel for confirmation;
3. Review and acceptance. If it meets the acceptance conditions after inspection or inquiry, the real estate registration agency shall accept it;
4. review. The real estate registration agency will examine the applicant. If further verification is needed, a letter shall be sent to the village committee or neighborhood committee of the original work unit or residence of the decedent or legatee who issued the certification materials to verify the relevant information;
5. Publicity. Publicize the real estate registration items to be registered on the portal website of the real estate registration agency for no less than 15 working days;
6. Real estate registration. If there is no objection at the expiration of the publicity period, the application for registration shall be recorded in the real estate register.
Legal basis:
Article 127 of the Civil Code of People's Republic of China (PRC)
Inheritance is carried out in the following order:
(1) First order: spouse, children, parents;
(2) The second order: brothers and sisters, grandparents and grandparents.
After the inheritance begins, the successor in the first order inherits, and the successor in the second order does not inherit; If there is no successor in the first order, it is inherited by the successor in the second order.
The children mentioned in this part include children born in wedlock, children born out of wedlock, adopted children and stepchildren with dependency.
The parents mentioned in this part include biological parents, adoptive parents and step-parents with dependent relationship.
Brothers and sisters referred to in this part include brothers and sisters of the same parents, half-brothers, adopted brothers and sisters, and stepbrothers and sisters with dependent relationship.