The following procedures are required:
1. Handle the mortgage cancellation formalities with the loan bank.
2. Go through the refund formalities of the corresponding insurance premium with the insurance company.
3. Return the deposit to the developer (if any). If you have applied for the real estate license during the loan period, you only need to go to the window of the administrative service center housing management office with the cancellation form, other warrants and bank ID card.
If there is no real estate license, after the loan is repaid, take the cancellation form of the bank to the housing management office window for cancellation, and then apply for real estate license, you must bring the following information:
1. Copy of ID card or household registration book, household registration certificate, private seal of property owner and * * *.
2. Purchase contract (original).
3. Have a copy of the contract.
4. Purchase invoices and copies.
5. Door license and copy.
Extended data:
Loan procedures:
1, loan application. Borrowers apply for loans from local banks. In addition to applying for rural loans, other types of loans should also provide relevant information.
(1) Basic information of the borrower and guarantor;
The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period of applying for a loan;
(3) Rectification of original unreasonable loans;
(4) List of mortgaged property and pledged property, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;
5] Project proposal and feasibility report;
(6) Other relevant information deemed necessary by the Bank.
2. Credit rating evaluation. The bank evaluates the borrower's credit rating.
3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers.
4. Loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.
5. sign a contract. The bank signs a loan contract with the borrower.
6. Loan issuance. The bank issues loans on schedule according to the loan contract.
7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation.
8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.