There are differences among provinces, municipalities directly under the central government and autonomous regions in the policy of subject division. The procedures and time usually required in Chongqing are as follows:

1, remember and fill in the prepayment application form in advance;

2. Go to the bank counter to deduct money after next month and complete the prepayment;

3. After the bank deducts money, you will go to the bank to get the real estate license, settlement certificate and related materials for mortgage cancellation next Thursday.

4. The property owner and the * * * person hold their ID cards, and bring the bank's mortgage cancellation materials, house ownership certificate and "Settlement Certificate" to the Housing Authority to understand the mortgage procedures, and then get the house ownership certificate after handling them.

Extended data:

Treatment process

You only need the borrower to form a joint guarantee team or find a guarantor (a formal employee of a state enterprise or institution), and bring the ID card, household registration book and marriage certificate of both husband and wife of the borrower (unmarried proof materials are required). If you are a merchant, you need to bring your business license, tax registration certificate and store lease contract, apply to the established outlets and accept the investigation. After signing the contract, you can get the loan.