Netizen Mr. Xing had a similar experience: a set of properties sold to him by relatives under his name wanted to be sold, and he finally found a good buyer. When the price was agreed and he was ready to sign the contract, he was told that the house could not be transferred because it had not been released. Mr. Xing said that he had bought the house in full. Because the other party is a relative and the person is not in China, there is no hurry to handle the transfer formalities. Now, I have lived here for three years, and I never thought that my relatives would not give the money. Unexpectedly, relatives died, and the last six issues of the house have not been returned. His children can't pay for the solution for the time being, so the house can't be sold.
The above-mentioned things are actually not individual cases. Whether you buy a new house or a second-hand house, you should pay attention. Don't wait for the house to be sold. Some people who borrowed money to buy new houses forgot to cancel the mortgage. When their children inherit the property and want to sell it in twenty or thirty years, they may need to pay a detention fee from the bank to cancel the mortgage. How unworthy! So, don't give money to the bank for nothing. In fact, the procedure of releasing remand is very simple, and it will be done sooner or later.
The specific process is as follows: ① Bring the information to the bank. (2) Seal the real estate license → fill in the mortgage cancellation application form, house ownership certificate, other house ownership certificate or mortgage certificate. (3) (If a third-party guarantee company is involved, you need to take the information to the guarantee company to cancel the guarantee procedures and return the guarantee money). ④ Go to the local housing authority to cancel the mortgage registration. ⑤ Seal of local housing authority.
Fortunately, the supervision system of the property market is becoming more and more perfect, and many cities have begun to simplify some procedures. If they can do it online through the electronic system, they won't have to run errands on paper. However, this must be piloted in big cities and then gradually extended to the whole country, so the speed of each place is still inconsistent. In some cities, buyers no longer need to hold a real estate license to cover the "release stamp", and the system networking will release the mortgage after paying off the loan. Some cities or banks will have text messages or phone calls to remind buyers to go through the formalities of canceling mortgage loans, while many cities don't even have a reminder service, so many people forget this step every year.
Of course, in addition to different services, there are different mortgage methods. Some banks require the original mortgage property certificate, and some banks only need a copy of the mortgage property certificate; Some developers can act as agents for real estate licenses, while others need buyers to run errands in person; Some real estate licenses are kept by individuals after loans, some by guarantee companies, and some are kept in banks. Therefore, how to remove the mortgage and whether it is necessary to remove the mortgage depends on the actual situation.
Of course, even those who decide not to sell their houses in the future cannot become "shopkeepers", especially those who borrow money from commercial banks. Because once the bank goes bankrupt, the owner of the original mortgage property certificate will have a complicated follow-up procedure. In addition, if your house is in an abnormal state for a long time, it is likely to be used by people with ulterior motives, causing risks such as auction and resale, and this may be your closest person. In addition, if you haven't applied for the real estate license, you need to take the cancellation form issued by the bank to the housing management office window for cancellation after the loan is repaid, and then apply for the real estate license. Above, I hope to help some property buyers.