First, how to get the real estate license after repaying the loan?

After the borrower pays off the loan, the bank will issue a settlement certificate. The borrower calls the relevant insurance company with the original loan settlement certificate, the original policy and the original invoice issued by the bank to make an appointment for surrender. Because the borrower will apply for mortgage registration when handling the loan. Therefore, after the borrower settles the loan, he must not forget to cancel the mortgage registration. After the mortgage is paid off, the real estate license is generally obtained according to the following procedures: first, bring the purchase contract and loan contract and the corresponding repayment record to the repayment bank to issue a loan repayment certificate; Second, bring the loan repayment certificate, property right certificate, house mortgage certificate, house purchase contract, loan contract, property owner's ID card, household registration book and other materials issued by the bank to the real estate transaction department for replacement. Third, you can get a new real estate license in about 7 working days.

2. What procedures do I need to go through after the bank loan is paid off?

(a) jointly handle the cancellation procedures of housing mortgage with the loan bank.

(2) Apply to the insurance company for refund of the corresponding insurance premium.

(3) Go through the formalities of refunding the deposit to the developer (if any). If you have applied for the real estate license during the loan period, you only need to go to the window of the administrative service center housing management office with the cancellation form, other warrants and bank ID card.

If there is no real estate license, after the loan is repaid, take the cancellation form of the bank to the housing management office window for cancellation, and then apply for real estate license, you must bring the following information:

(a) the identity card or household registration book, household registration certificate and a copy of the private seal of the property owner and the owner.

(2) Purchase contract (original).

(3) There is a copy of the deed.

(4) Purchase invoices and copies thereof.

(five) the door license and a copy.

Third, how long will it take to eliminate credit records?

Will be eliminated in five years. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

How can I get the property right back after the loan is paid?

After paying off the housing loan, you can get the real estate license within 7 working days after going through the following procedures.

1, with the purchase contract, loan contract and previous repayment records, issue relevant certificates to the repayment bank that the loan has been paid off;

2. With the certificate issued by the bank, the original property right certificate, the certificate of other rights of the house, the purchase contract, the loan contract, the identity card of the property owner, the household registration book and other materials, go to the real estate transaction department to handle the replacement business.

3. Generally, you can get a new real estate license in about 7 working days.

When making a loan, most banks will let you go to the Housing Authority to make a certificate of other rights indicating the mortgage matters, and put this certificate of other rights in the bank to apply for the real estate license. After the loan is paid off, take the bank's certificate to the Housing Authority to make changes, and cancel his right certificate at the same time.

Extended data:

If the original title certificate of the commercial house is mortgaged to the bank, the buyer has repaid the loan, or repaid the loan in advance, and contacted Chen Bank in advance. Bank staff will tell buyers when to go through the relevant formalities. Different banks will have different specific requirements, but banks will require buyers to bring ID cards, collateral credentials, loan contracts, copies of insurance policies and other related information.

Property buyers will receive repayment vouchers after settling accounts in the bank at the agreed time, and the bank will also return the original commercial housing title certificate, the original sales contract and the original insurance policy to the property buyers. Property buyers can get their own commercial housing property certificate back.

Note: The ownership of the house is subject to the records in the real estate register, which is recorded by the registration authority and kept by the authority, and is not controlled by the obligee. If the registration authority or its staff change the contents of the register without authorization, the obligee will be in danger of losing his rights.

In order to prevent this from happening, it is necessary for the registration authority to issue the property right certificate to the obligee after the house registration, and the content recorded in the property right certificate is consistent with the registration book.