The blueprint is other warrants, and other materials are bank settlement certificates. In general, cancellation can be completed within one week.
2. What should I take to the bank to cancel the mortgage?
You mean to prepay and settle the loan, right? The identity card, contract and bank card of the general borrower will be returned to you (different banks) within a few working days, such as other warrants, power of attorney, settlement certificate, etc. You can take these materials to the local housing authority to find out. You can get the house book after the loan, but you can pay attention to the mortgage records on the house book, including the mortgage amount and term. At the same time, the bank retains other warrants printed by the local housing authority. After your loan is settled, the bank will try to understand the mortgage situation, print the date of cancellation after the mortgage record, and mortgage the loan again.
Third, the process of car release.
The specific process of automobile mortgage cancellation is as follows: 1. The lender shall communicate with the lending institution in advance. After paying off the last month's auto loan, the lender shall communicate with the lending institution, finance company and other institutions in time to agree on the release time of automobile mortgage. 2. Obtain the settlement certificate. The lender shall go to the business outlet of the lending institution with the loan contract and ID card, apply to the staff for issuing the loan settlement certificate, and obtain the original motor vehicle registration certificate; 3. Prepare the release materials. Lenders are required to carry the loan settlement certificate, the original motor vehicle mortgage registration (stamped with the mortgagee's official seal), the motor vehicle registration certificate, the original and photocopy of the owner's ID card, the original and photocopy of the driving license and other materials; 4. Go through the driving formalities. The Lender will go to dmv with the above information and the agent entrusted by the Mortgagee, and submit the vehicle release information to the staff, who will take photos and wait for the audit of the staff in dmv; 5. Review the application materials. The staff of the vehicle management office will review the application materials submitted by the lender, which will generally be approved within one day; 6. Get back the motor vehicle registration certificate. After reviewing the information, the staff of dmv will go through the formalities of releasing cars for eligible applicants. Stamp the corresponding official seal on the motor vehicle registration certificate, and then return the original to the owner, which means that the procedures for canceling the vehicle have been completed. Choose to go to the police post service station: 1, mortgagee, owner's ID card and other related materials to apply for mortgage cancellation at the police post service station; 2. After arriving at the service desk of the police station, the portrait is collected according to the regulations. After the staff accepts it, the applicant signs the application form for confirmation; 3. Send it to the applicant by courier within three working days after acceptance. Legal basis: Article 31 of the Regulations on Motor Vehicle Registration, if a motor vehicle is used as a mortgage, the owner and mortgagee of the motor vehicle shall apply to the vehicle management office at the place of registration for mortgage registration; If the mortgage right is extinguished, it shall apply to the vehicle management office at the place of registration for cancellation of mortgage registration.
Four. What are the procedures and required materials for the release of guardianship?
1. First, the loan needs to be settled. After the borrower has settled the mortgage, he will issue the Notice of Cancellation of House Property Mortgage to the Provident Fund Center with the loan settlement notice issued by the bank.
2. Secondly, the borrower will get a certificate of other rights. The borrower holds his/her valid ID card and goes through the mortgage cancellation procedures to the provident fund center to receive the Certificate of Other Rights and the Notice of Mortgage Cancellation.
3. Finally, you need to go through the formalities of understanding the pledge. The borrower shall go through the mortgage cancellation procedures at the original mortgage registration department with his valid ID card, other rights certificate, real estate license and repayment certificate.
4. If you don't choose to use the buyer's down payment to understand the mortgage loan, it means that you need to choose one of two methods: borrowing from an intermediary agency and borrowing from a guarantee company to solve the mortgage loan. But I have to remind you that you must find a regular company, otherwise it is a trivial matter and very troublesome to be overcharged.
5. According to the Guarantee Law and the Regulations on the Administration of Real Estate Mortgage, the mortgaged real estate can only be transferred or leased with the consent of the mortgagee (that is, the bank). In other words, before you transfer the mortgaged property, you must first get the consent of the bank, otherwise you can't buy or sell it. If you sign the contract carefully, you must know the contents of the contract.
6. The bank generally requires the borrower to submit a written or telephone application 15 working days in advance, and the bank will examine and approve the borrower's mortgage repayment application after receiving it. After settlement, the bank will issue a settlement certificate and return the certificate of other rights. Decompression only needs to be handled by the local construction Committee, and it needs to be queued when there are many people. Therefore, it usually takes a month or so for banks to repay loans and release mortgages.