If the owner is absent and entrusts others to handle it, there must be a power of attorney issued by the notary office, and the entrusted person can only handle it with the power of attorney, ID card and other documents present. It depends on the requirements of the local housing authority.
What should I pay attention to when releasing the real estate license?
1. Mortgage cancellation means going to the Housing Authority to go through the mortgage cancellation procedures of other rights of the real estate license and get the real estate license back. After the mortgage loan is paid off, the commercial loan house mainly goes to the trading hall to cancel the mortgage with the loan settlement certificate (A4 paper) issued by the bank and the certificate of other rights of real estate, without charging any fees.
2. In addition, homeowners with mortgage loans have obtained real estate licenses, and they should also go to the Housing Authority to handle mortgage cancellation procedures with real estate licenses. As for the use of provident fund loans, it is necessary to go through the mortgage cancellation procedures in the trading hall after the repayment is over and the provident fund center issues the repayment certificate.
In addition, if the lender repays the loan in advance, it can also refund part of the insurance premium to the insurance company. Generally, when applying for a mortgage loan, you should pay the insurance premium for as many years as possible. If the loan is repaid in advance, for example, after 20 years, the remaining 15 years of insurance premium will be refunded.
I hope the above content can help you. Please consult a professional lawyer if you have any other questions.
Legal basis: Article 35 of the Measures for the Administration of Urban Real Estate Mortgage, 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. If the mortgaged real estate is punished according to law and the land use right and the ownership of buildings and other attachments on the ground are obtained, the mortgagor shall, within 30 days from the effective date of the punishment, apply to the real estate management department of the local people's government at or above the county level for the registration of the transfer of house ownership, and apply to the land management department of the people's government at the same level for the registration of the change of land use right by virtue of the changed house ownership certificate.