Housing ownership certificate;
Proof of other rights;
Application for cancellation of mortgage registration (content: customer XXX's bank loan has been settled, and now _ _ _ _ _ _ _ is entrusted to handle the mortgage registration cancellation); ?
Pay attention to fill in the name of the client in the blank of item 3. The client can be himself or a third party.
Take the above things and a copy of the client's ID card to the mortgage window of the real estate management center, hand in all the materials and he will give a receipt.
Two working days later, the customer took the receipt and the original ID card to get the title certificate. At this point, the title certificate has been cancelled.
You can trade or handle other matters, and the house really belongs to you!
Extended data:
The stipulation that houses and land are mortgaged together is only to solve the conflict of interests when land use right and house ownership belong to different obligees, not to forcibly expand the effectiveness of mortgage.
When auctioning mortgaged land use rights and house ownership due to the realization of mortgage, house ownership and land use rights can be auctioned together, but.
The effectiveness of the mortgage cannot reach the part that is not agreed upon, and the mortgagee cannot take precedence over the part that is not agreed upon.
Real estate mortgage loan means that the borrower mortgages the purchased commodity housing, and the loan bank provides the borrower with a package of financial services.
Rmb loans can meet their needs of buying houses, parking spaces, large-scale durable consumer goods, automobiles and house decoration.
The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years;
The loan amount is 70% of the appraised value of the house;
The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 5.94%.
The property owner takes the house deed as the mortgage and gets the loan to pay interest on schedule.
The property right of the house is still managed by the property owner himself, and the creditor only takes interest on schedule and has no right to manage the house. After the loan is paid off, the property owner will terminate the mortgage of the deed.
When the debtor fails to perform the debt, the creditor has the right to dispose of the mortgaged house according to law, and has the right to receive priority compensation for the proceeds from the disposal of the mortgaged house.
The party who provides the mortgaged house is called the mortgagor, and the original creditor who accepts the mortgaged house is called the mortgagor.
The mortgagor of a house must have full capacity for civil conduct, and a person without capacity for civil conduct or with limited capacity for civil conduct may not set up a house mortgage.
References:
Baidu encyclopedia-house mortgage loan