Generally, mortgage cancellation is divided into the following steps: 1. Apply to the bank for prepayment, and prepare the full amount for the bank to deduct the money smoothly; 2. After the bank completes the deduction, it can generally go through the loan settlement procedures the next day, and open the decompression materials to the bank loan management department with the settlement procedures; If it involves a guarantee company, you need to go through relevant procedures; 3. Take the materials decompressed by the bank and the materials issued by the guarantee company to the real estate registration center to understand the mortgage procedures. General necessary materials include my identity certificate, loan settlement certificate, real estate license with mortgage seal, etc. Required procedures: after the individual also asks for a loan, he should bring the information given by the bank. (1) Copy of the business license of the loan bank. (2) a copy of the legal person and (3) a copy of the client. (4) Proof of other rights. (5) repayment certificate issued by the bank. (6) Personal information, including ID card and house title certificate (if the house is owned by * * *, you must also carry the house title certificate of the owner of * * *).
Legal basis:
Interim Measures of People's Republic of China (PRC) Municipality on the Administration of Personal Loans
Article 11 An individual loan application shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.
Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.
Derivative problem:
What is the process of housing loan?
1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank. 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. 3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. 4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower will be transferred to the selling unit or building unit specified in the purchase contract or agreement. 6 loan settlement, including normal settlement and early settlement.