As we all know, buying a house with a loan needs to mortgage the real estate license to the bank, and only after the loan is paid off can we go through the decompression procedures and get back the original real estate license. So how long does it take to decompress the house? What is the decompression process of the house? Let's take a look with Bian Xiao!

How long does it take to decompress the house?

After the house loan is settled, it takes about 7 days to decompress the house. If it is private lending, it is shorter than the bank. After applying for decompression, the decompressor can successfully decompress on the same day as long as there are staff in the Housing Authority to assist in the relevant procedures.

What is the house decompression process:

After the personal loan is paid off, you should take the information given by the bank, including personal identity card, real estate license, copy of bank business license, copy of legal person, copy of client, certificate of other rights and repayment certificate issued by the bank to cancel at the real estate trading center.

What should I pay attention to when decompressing the house:

1. When handling the house decompression procedures, go to the Housing Authority to handle the mortgage cancellation procedures of other rights of the real estate license and renew the original real estate license. After the loan is settled, the canceler shall go to the transaction hall to cancel the mortgage with the loan settlement certificate (A4 paper) and the certificate of other rights of real estate issued by the bank, without any charge.

2. After getting the real estate license, the owner should go through the mortgage cancellation formalities with the real estate license to the Housing Authority. If you use provident fund loans, you should ask the provident fund center to issue a repayment certificate after repayment, and then go through the mortgage cancellation procedures in the trading hall.

3. If the parties pay in advance, they can also refund part of the insurance premium to the insurance company. But generally speaking, when you apply for a mortgage loan, you have to pay the insurance premium for as many years as you want. If the loan is repaid in advance, for example, after 20 years and only 5 years, the remaining 15 years insurance premium will be refunded.

Summary of the article: Well, the knowledge about how long it takes to decompress the house and how the decompression process of the house is introduced here. If you need more information, please continue to pay attention to Qijia. We will provide you with better and more exciting content in the future.

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