1. After the house loan is paid off, you need to go through the formalities at the bank where the loan is located and get his property right certificate. The bank will stamp the official seal on his property right certificate, indicating the cancellation opinions, such as: the loan has been invited, and you agree to cancel the mortgage;

2. Then, the property owner holds the original real estate license, other warrants and ID cards to the mortgage department of the local property housing security and real estate administration for mortgage cancellation registration;

3. If there is more than one name on the property right certificate, at least one property owner must be present, and the original ID cards of other property owners can also be handled. If there is a minor's name, the guardian must bring a certificate to prove the identity of the guardian.

Matters needing attention in repaying loans in advance

If the lender wants to repay the loan in advance, under normal circumstances, he should take good care of his ID card and loan contract to the bank after making a phone call or making a written request. As a trustee, he should take good care of the real estate license, settle other debt documents confirming the pledge at the bank, and personally go to the district construction committees to understand the pledge situation. What is not taken seriously is that if the diners don't have a one-time knot. The original policy and invoice can be booked by calling the relevant security companies. If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.

1. Pay the loan early and don't forget to surrender.

When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan. If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.

2. What can't be ignored in pledge cancellation?

The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement certificate, and the lender will make plans after taking care of the loan settlement certificate issued by the bank and the original system of each bank.

3. Prepayment needs to be prepared.

At present, some banks will release the pledge in person. After the pledge is released, the lender needs to go to the bank to retrieve the original house. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.

(Reference:

Baidu encyclopedia: mortgage)

Second, the process of paying off the loan and getting the real estate license.

Legal analysis: The process of getting back the real estate license after the loan is paid off is: carrying the purchase record, issuing the certificate that the loan has been paid off at the repayment bank, the original property certificate, the certificate of other rights of the house and other materials, and handling the replacement business at the real estate transaction department.

Legal basis: The Provisional Regulations on the Registration of Real Estate registered movable property units as basic units. Real estate units have a unique code.

The real estate registration institution shall establish a unified system of non-registration in accordance with the provisions of the competent department of land and resources of the State Council.

The real estate register shall record the following items

(a) the location, boundary, spatial boundary, area, use and other natural conditions of the real estate;

(two) the subject, type, content, source, duration, change of rights and other ownership status of real estate rights;

(3) Is it involved?

(4) Other related matters.

Third, the process of paying off the housing loan.

After buying a house with a loan, the loan applicant can already apply for a full invoice when the loan bank issues the loan. After the mortgage is settled, he needs to contact the bank to issue a loan settlement certificate, and then go through the mortgage cancellation procedures.