What procedures do I need to go through after the mortgage is paid off? How to use the provident fund to repay the mortgage? After paying off, you must go through the formalities of settlement. The steps are as follows: 1. Repay in advance, and transfer the money to the designated account, which will be transferred by the financial institution. 2. Get the loan settlement certificate and real estate registration qualification certificate from the bank. 3. Bring personal identity information, loan settlement certificate and real estate registration qualification certificate to the real estate registration center for decompression. 4. Relieve the pressure and obtain the real estate license. Of course, some cities have realized automatic decompression now, which is also very convenient. Actually, you can consult your mortgage bank.

How to use the provident fund to repay the mortgage? One-time repayment method. Obtain the balance of the provident fund from the residential provident fund account and repay the loan at one time. Many people choose this way to repay their loans after retirement. After the loan is paid off, if there is any outstanding loan, the remaining loan principal and repayment period shall be recalculated, and the monthly repayment amount shall be specified.

Termination of repayment for many months. Withdraw the account balance from the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender can stop lending for several months. (The length of loan repayment termination shall be determined according to the amount of loan repayment in advance, but the longest time shall not exceed 65,438+02 months). After the repayment termination period ends, the lender shall repay the loan again on a monthly basis.

Overdue loans during the suspension period are exempt from overdue interest, which will be deducted from the monthly repayment after the suspension period. Some property buyers have changed their income in a certain link (such as illness, pregnancy, laid-off, etc.). ), and they often use this way to repay the loan. Monthly repayment method. Take the provident fund directly from the provident fund account to repay the loan every month.

When the amount of provident fund withdrawn is insufficient, the lender must make up the repayment amount. If you apply to repay the loan with the provident fund, you can directly submit the application to the loan financial institution, and sign the Power of Attorney for Withdrawing the Housing Provident Fund and Returning the Housing Loan (commonly known as the Power of Attorney). After the loan interest is paid off, the power of attorney will be automatically suspended.

If one-time repayment or multi-month repayment termination is adopted, a power of attorney will be signed in May 438+0-March, and the provident fund repayment will be applied for in April-June; Sign the power of attorney in April-August, and apply for repayment of provident fund loan in September-65438+10; If the power of attorney is signed in September-June of 65438+February, apply for repayment of the provident fund in April-June of the following year.

If monthly repayment is selected, the application for repayment of provident fund will be made after 3 1 days accepted by the bank. Buyers who choose provident fund personal housing loans, residential loans or for-profit residential loans can apply for provident fund repayment. The other half and immediate family members of the buyers can use their own provident fund to repay the loan.