It's true. Most people pay attention to paying off the loan, but they often ignore the step of understanding the mortgage. They should know about the mortgage. After the mortgage is paid off, if the mortgage cancellation procedures are not handled, the subsequent transfer and transaction, etc.
Only by lifting what belongs to you,
Housing mortgage center registration, property certificate also indicates housing mortgage, limiting some rights (such as sale, gift). When the loan has been paid off, after the bank obtains the loan payment voucher, it can go to the property right transaction, which is called mortgage cancellation.
At this time, the bank was sold, transferred and other activities.
: What is the mortgage cancellation process of the real estate license?
After the general bank's loan is settled, it can apply to the real estate management unit for cancellation and mortgage registration. After the bank formalities are completed, you will generally give the following information to the customer:
Real estate registration certificate/certificate of other rights, mortgage cancellation application, settlement certificate, power of attorney, legal person ID card, bank business license, etc.
With the above documents and a copy of the customer's ID card, the mortgage can be cancelled after 24 hours.
Provident fund issuance
1. Contact the loan bank (China Construction Bank or Shanghai Rural Commercial Bank) and call customer service to make an appointment for repayment.
2. The lender carries the repayment card ID card to the bank outlet for settlement.
Ltd. (Provident Fund Center), make an appointment to get a provident fund mortgage (62866677). Be sure to call in advance, and don't wait until the day of cancellation.
4. The time for handling mortgage cancellation materials is limited to working days (Monday to Friday).
5. Article 1-4 only applies to pure provident fund loans and portfolio loans &; Pure commercial loans are not applicable! ! !
Pure commercial loan issuance
How to decide the last house:
1. Contact the loan bank to apply for early settlement.
2. According to the time notified by the bank, the main lender will go to the bank outlet with the repayment card ID card for settlement, and the bank will notify him to cancel.
2. Does the portfolio lender need to cancel the mortgage if it settles the loan in advance?
need
After paying off the mortgage in advance, you need to apply for understanding the mortgage, because the house has been mortgaged to the bank in essence, so if you want to be the real owner of the house, you need to apply for understanding the mortgage.
After paying off the mortgage in advance, you need to know about the mortgage. According to the regulations, after paying off the loan in advance, if the house really belongs to you, you must mortgage the property first. If the mortgage cancellation procedures are not handled, the subsequent property transfer and sale will be affected.
To handle the mortgage cancellation procedures, the lender needs to fill in the mortgage cancellation application form and bring the house ownership certificate, house ownership certificate and house mortgage certificate to the local housing management department to understand the mortgage procedures.
At the same time, after paying off the mortgage in advance, the lender has to go through the formalities of completing the mortgage, and the bank will issue the relevant mortgage settlement certificate, which is also the material needed by the Housing Authority to cancel the mortgage.
Third, the commercial loan is paid off in advance, then the mortgage is lifted, and then the owner is added. In the whole process, ...
Yes, commercial loans and state-level loans have little impact, as long as there are no outstanding provident fund loans before your provident fund refinancing, there is no problem! Can provident fund loans!
4. Is it necessary to go through the mortgage formalities after the commercial mortgage of CCB is settled in 2022?
This depends on the network service capabilities of local banks and local real estate registration centers. Some local banks can cancel their mortgages online at the real estate registration center. Some places still need to be dealt with on the spot. Bring it up anyway.