When the house loan is paid off, do you think the house you bought with the loan will eventually belong to you? In other words, after the mortgage is paid off, is the house yours? I believe many buyers' answers are yes. However, this is not the case. After paying off the mortgage, the borrower still has a series of things to do. If these things are not done well, even if the mortgage is paid off, the house is not yours.

First, the certificate of immovable property rights is not stamped with this seal. Even if the mortgage is paid off, the house is not yours.

I believe everyone knows that the so-called housing loan is a loan obtained by mortgaging a house to a bank. In other words, a mortgage is a mortgage. When you apply for a mortgage loan, you must have something mortgaged, and this collateral is usually a house. So when the house is mortgaged, the house actually belongs to the bank, not to the buyers.

In other words, although you live in a house, the ownership of the house belongs to the bank. Therefore, before the mortgage registration is cancelled, your house is still in the state of mortgage, and you only have the right to live in the mortgaged house, but you don't own its property rights.

Maybe someone asked at this time, the technical terms such as mortgage registration have been mentioned all the time, so how to cancel the mortgage registration? In fact, it is very simple to cancel the mortgage registration. When you repay the mortgage, the bank will return the real estate license to you and issue you a certificate that the loan has been paid off. The bank will also put a seal on your real estate license that the loan has been paid off.

After the buyer pays off the loan, don't be in a hurry to be happy, but go through the formalities of canceling the mortgage registration as soon as possible: after going through the formalities at the bank, go to the local mortgage registration department to cancel the mortgage registration, and then submit the cancellation application form, house ownership certificate, house ownership certificate or mortgage certificate. If it meets the requirements, it shall be stamped on the certificate of immovable property rights.

Second, the follow-up procedures after the loan is paid off

Are you glad to finally pay off the house loan? However, if you are happy, don't forget that there are still several procedures to be done: first, go to the loan bank that applied for the housing loan to cancel the mortgage; Then find an insurance company to handle the corresponding refund procedures for a person's insurance premium; Finally, go to the developer to refund the deposit.

Of course, the above follow-up procedures also need to pay attention to many problems. For example, a person who has already obtained a real estate license only needs to bring the cancellation form of the bank and his other warrants and ID cards to go through the formalities directly. If not, just take the cancellation form of the bank directly after the loan is paid off, go to the service window of the housing management office to cancel, and then apply for the property right certificate.

3. Did you have a title certificate during the loan period?

This is a problem that buyers need to pay attention to. If there is no title certificate, the cancellation process will be more complicated. If you don't have a property right certificate, you need to go to the housing management office to cancel the loan after paying off the loan. You need to bring the following materials: a copy of the ID card or household registration book of the property owner and the owner, a household registration certificate, and a private seal; Purchase contract, etc.