To apply for cancellation of mortgage registration, the owner only needs to bring the real estate license, the original certificate of other rights, the proof of paying off the money and the application form of other rights. The mortgagee's bank only needs to stamp the application form for other rights and issue a certificate that the loan has been paid off and the mortgage has been cancelled. There is no need for the bank manager to go through the formalities in person at the Housing Authority.
The bank that needs a loan will give you a settlement certificate, bring the original price of its right certificate, real estate license and ID card, and go to the registration hall of the real estate bureau where the house is located to handle the mortgage cancellation window.
Steps of real estate mortgage
Method 1: the cancellation of mortgage registration is combined with transfer registration. The buyer, the seller and the bank jointly apply for cancellation of mortgage and transfer registration.
Method 2: Cancel mortgage registration, transfer registration and re-establish mortgage registration. The buyer, the seller and the bank apply for mortgage cancellation, transfer registration and mortgage re-registration. Method 3: Cancel the mortgage registration first, and then merge the transfer and mortgage registration.
The seller first applies for cancellation of mortgage registration, and after settlement and filing, the buyer and the seller and the bank jointly apply for merger transfer registration and mortgage registration.
If the loan you applied for in our bank has been settled (including early settlement and natural settlement), it is generally necessary for the borrower to go through the mortgage cancellation registration and obtain the real estate license at the relevant local departments. The specific processing time and process vary from branch to branch. It is recommended that you contact the loan handling bank or the post-loan center for local policy consultation.