Some people will question the truth of these news and think that this kind of thing can't happen in their own cities, but the understanding of a city can't represent all cities in the country. The supervision of each city is uneven, and the chaos is not the same. Just like the "release stamp" we are going to talk about today, some cities have cancelled this procedure, but it cannot be said that there is no such thing. Many cities still need it, and it is very important. It is necessary to draw the key points on the blackboard.
For example, some banks require the original mortgage property certificate, while some banks only need a copy of the mortgage property certificate; Some developers can act as agents for real estate licenses, while others need buyers to run errands in person; Some real estate licenses are kept by individuals after loans, some are kept by guarantee companies, and some are placed in banks; Some banks will have text messages to remind them to pay off their mortgages, while others do not have this service; Some cities or banks will decompress themselves after paying off their loans, while others need buyers to go through the formalities in person.
In cities that need to be unsealed, if you don't remind or forget, you may find yourself in big trouble. Because even if the money is paid off, the property right of the house is still mortgaged in the bank and does not belong to you. From a legal point of view, you only have the right to live, but you have no right to resell or sublet. And it will be recovered sooner or later. It is also a kind of peace of mind to catch up early, isn't it? In the matter of buying a house, buyers should not be "shopkeepers", and many things can't be done without waiting for notice or being urged. Because a little carelessness may send the money to the bank in vain, and even be careful to hand over the house.
First of all, commercial banks are at risk of bankruptcy, especially the owners who mortgage the original real estate license, and the follow-up procedures are very complicated. Secondly, houses that have been in an abnormal state for a long time may be used by people with ulterior motives, and there are risks such as auction and resale. Third, the risk of buying a second-hand house is higher. If the former owner sold it to you without releasing the mortgage, he wouldn't tell you. After living for a period of time, he will be sealed up and he will not be able to find anyone else. There are many cases of being cheated. In the past four years, some acquaintances have traded, but because of their good relationship, they are not in a hurry to transfer and cancel the mortgage. It was not until the buyer lived for five years that the former owners came to ask them for money to compensate their house premium, otherwise they would not cancel the mortgage. There are many similar wonderful cases.
Therefore, the laws and regulations of the city, as well as the market situation, all need buyers to know clearly in advance. Don't suffer from temporary laziness. The procedure of canceling the mortgage is easy to handle: take the information to the bank → stamp the real estate license → fill in the mortgage cancellation application form, house ownership certificate, house ownership certificate or mortgage certificate → (If a third-party guarantee company is involved, you need to take the information to the guarantee company to cancel the guarantee procedures and return the guarantee money) → go to the local housing authority to cancel the mortgage registration → stamp.
Of course, different cities have different sequences and steps. In principle, this process does not need to charge any fees, and some places will charge corresponding fees. In addition, if you haven't applied for the real estate license, you need to take the cancellation form issued by the bank to the housing management office window for cancellation after the loan is repaid, and then apply for the real estate license.