When the seller goes to the real estate registration center where the house is located to know about the mortgage, he needs to bring relevant materials, including his ID card, loan settlement certificate, loan repayment certificate, certificate of other rights or the house book (stamped with the mortgage seal), real estate registration application approval form and other materials.

Some banks need to make an appointment and return your other warrants, power of attorney, settlement certificate and other materials (different banks) within a few working days after acceptance.

Second, after the real estate is liberalized, do you still need the Housing Authority to liberalize it?

If the real estate mortgage loan is handled in the Housing Authority, the relevant formalities shall be handled in the Housing Authority.

3. What materials do I need to bring to handle the property cancellation procedures?

Materials needed to handle the mortgage cancellation procedures: generally, the borrower's ID card, contract, bank card or cash. Some banks need to make an appointment and will return other certificates, power of attorney, settlement certificate and other materials to you (different banks) within a few working days after acceptance. You should take these materials to the local housing authority to find out about the mortgage situation.

4. What are the procedures for house decompression?

1. After the borrower settles the mortgage, he will issue the Notice of Cancellation of Real Estate Mortgage to the Provident Fund Center with the loan settlement notice issued by the bank. 2. The borrower holds his valid ID card and decompression materials to the provident fund center to receive the house ownership certificate and decompression notice. 3. The borrower who cancels the real estate mortgage shall go through the formalities of real estate decompression at the original mortgage registration department with his valid ID card, his right certificate, real estate license, repayment certificate and other materials. According to the relevant laws and regulations, when the mortgage contract is changed or the mortgage relationship is terminated, the mortgage parties shall go to the original registration authority to change or cancel the mortgage registration within 15 days from the date of change or termination. When real estate is mortgaged, the mortgage registration shall be handled at the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter. Note: 1. After the decompression is completed, the borrower can get the house book. At this time, you can pay attention to the mortgage records on the house, including the amount and duration of the mortgage, and the bank keeps the other warrants printed by the local housing authority. 2. After the loan is settled, the general bank will return the borrower's other warrants, and then take them to the Housing Authority to understand the mortgage situation. After printing the mortgage record, the date of canceling the mortgage will be 100% owned by the borrower, and the loan can be sold or mortgaged again. Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered. Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.