1. What procedures do I need to go through after the house loan is paid off? You need to go through the formalities after the house loan is paid off: 1. After the housing loan is paid off, you need to go through the formalities at the bank where the loan is located and get the certificates of other housing projects. The bank will affix the official seal on the certificates of other housing projects, indicating the cancellation opinions, such as: the loan has been applied, and you agree to cancel the mortgage. 2. Then, the property owner holds the original real estate license, other warrants and ID cards to go through the mortgage cancellation registration procedures at the mortgage department of the local property housing security and real estate administration. 3. If there is more than one name on the property right certificate, at least one property owner must be present, and the original ID cards of other property owners can also be handled. If there is a minor's name, the guardian must bring a certificate to prove the identity of the guardian.
Second, you can check out after paying the down payment. If you can't get a mortgage loan, you can return a house, but you should investigate the different responsibilities of the buyer and the seller according to the reasons.
One situation is that the mortgage can't be done because of the developer. For example, if a developer fails to obtain a pre-sale permit or sells an existing house that does not have the conditions for use, the bank will not approve the loan. Property buyers can ask developers to refund the down payment and deposit, and ask developers to pay the corresponding interest losses.
On the other hand, if the information provided by the buyer is untrue or the credit history is bad, the bank may refuse to approve the loan and refuse to return the house, but the buyer shall bear the liability for breach of contract and compensate the developer for the corresponding liquidated damages.
Article 23 of the Supreme People's Court's Interpretation on Applicable Legal Issues in the Trial of Disputes over Housing Sales Contracts: The commercial housing sales contract stipulates that if the buyer fails to conclude a commercial housing secured loan contract due to one party's reasons, the other party may request to terminate the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer.
3. What's the interest on the house loan? If you apply for a mortgage after 20 15, 10/0/0, you can calculate it according to the latest interest rate of 4.9% (5 to 30 years). As for the provident fund, the interest rate of individual housing provident fund loans has not been adjusted due to the interest rate cut on October 24th, 2065438+2005/kloc-0. The loan interest rate of individual housing provident fund for more than five years has been lowered four times this year, from 4.25% at the beginning of the year to 3.25% at present. And before the bank makes further adjustment, the interest rate of 20 16 housing loan will remain unchanged! Since most banks adjust interest rates according to the following year, many friends who have already made loans before the loan interest rate adjustment will adjust the interest rate of housing loans to the latest interest rate of 20 16 1.
The above gives you a detailed introduction to the relevant knowledge of what procedures you need to go through after the house loan is paid off. After the housing loan is paid off, it is necessary to go through the formalities at the bank where the loan is located, and then the property owner will go through the mortgage cancellation registration formalities at the mortgage department of the local property housing security and real estate management bureau with the certificate.