First, how to get the real estate license after repaying the loan?

After the borrower pays off the loan, the bank will issue a settlement certificate. The borrower calls the relevant insurance company with the original loan settlement certificate, the original policy and the original invoice issued by the bank to make an appointment for surrender. Because the borrower will apply for mortgage registration when handling the loan. Therefore, after the borrower settles the loan, he must not forget to cancel the mortgage registration. After the mortgage is paid off, the real estate license is generally obtained according to the following procedures: first, bring the purchase contract and loan contract and the corresponding repayment record to the repayment bank to issue a loan repayment certificate; Second, bring the loan repayment certificate, property right certificate, house mortgage certificate, house purchase contract, loan contract, property owner's ID card, household registration book and other materials issued by the bank to the real estate transaction department for replacement. Third, you can get a new real estate license in about 7 working days.

2. What procedures do I need to go through after the bank loan is paid off?

(a) jointly handle the cancellation procedures of housing mortgage with the loan bank.

(2) Apply to the insurance company for refund of the corresponding insurance premium.

(3) Go through the formalities of refunding the deposit to the developer (if any). If you have applied for the real estate license during the loan period, you only need to go to the window of the administrative service center housing management office with the cancellation form, other warrants and bank ID card.

If there is no real estate license, after the loan is repaid, take the cancellation form of the bank to the housing management office window for cancellation, and then apply for real estate license, you must bring the following information:

(a) the identity card or household registration book, household registration certificate and a copy of the private seal of the property owner and the owner.

(2) Purchase contract (original).

(3) There is a copy of the deed.

(4) Purchase invoices and copies thereof.

(five) the door license and a copy.

Third, how long will it take to eliminate credit records?

Will be eliminated in five years. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

How to get the real estate license after the mortgage is paid off?

Many people will choose loans to buy a house. When applying for a bank housing loan, they usually mortgage the house they bought to the bank, so they usually mortgage the property ownership certificate or other warrants of the buyers to the bank. So if we pay off the mortgage, how can we get the real estate license? Next, Bian Xiao will briefly introduce it to you.

1. When we apply for a housing loan, the bank usually requires the applicant to use the purchased house as collateral. Therefore, during the mortgage repayment period, other warrants of property buyers are mortgaged in the bank. After we pay off the loan, we need to contact the bank in advance, and the bank will tell the buyers what information they need to bring and when to go through the relevant formalities. The buyer shall handle the settlement formalities with relevant materials within the agreed time, and the bank will return the original warrants and policies to the buyer after receiving the repayment voucher.

2. Next, the buyer takes the original real estate license, other warrants, repayment vouchers and other related materials to the local housing authority for cancellation of mortgage registration. Under normal circumstances, you can get a new real estate license within 7 working days. In some places, a small amount of fees will be charged when the mortgage registration is cancelled, such as the file retrieval fee of 50 yuan/set; Mortgage registration fee 80 yuan/set; The cost of mortgage replacement is 10 yuan. The charging standards will vary from place to place, and the specific charging standards published by the local housing authority shall prevail.

3. After the mortgage is paid off, we need to go through the formalities of loan settlement and mortgage cancellation, as well as surrender. Because when we apply for a bank loan, we usually apply for relevant insurance as a guarantee. After we get the original insurance from the bank, we need to go to the insurance company for surrender.

Bian Xiao concluded: About how to apply for the real estate license after the mortgage is paid off, Bian Xiao will give you a brief introduction here. I hope you can understand all this after reading this article. Don't forget to cancel the mortgage registration and surrender after the mortgage loan is paid off.

How to get the real estate license after paying off the loan?

The specific process of getting back the real estate license after paying off the mortgage is as follows:

1. The lender needs to go to the bank to issue a repayment certificate, and needs to bring the purchase contract, loan contract and loan repayment record.

2. After the repayment certificate is issued, bring the purchase contract, loan contract, property owner's ID card, household registration book, original property right certificate, certificate of other rights of the house and other materials to the real estate transaction department for replacement business. Usually, after 7 working days, the lender can get his real estate license back.

What procedures do you need to pay off the loan and get the real estate license?

The process of paying off the loan and getting the real estate license:

(1) Get back your property right certificate from the bank: If the original property right certificate of the commercial house has been mortgaged in the bank, and the buyer has repaid the loan or repaid the loan in advance, it is necessary to contact the bank in advance. The bank will tell the buyer when to go through the relevant formalities. Different banks have different specific requirements, but general banks will require buyers to bring ID cards, collateral credentials, loan contracts, copies of insurance policies and invoices. Property buyers will receive repayment vouchers after settling accounts in the bank at the agreed time, and the bank will also return the original commercial housing title certificate, the original sales contract and the original insurance policy to the property buyers. In this way, buyers can get their own commercial housing property certificates back.

(2) Get back your property right certificate from the developer: This situation is more complicated. Before the commercial housing property right certificate is mortgaged, the buyers have already paid off the loan. Because the property right certificate of commercial housing of buyers has not been mortgaged, the developers are still in the stage of mortgage by stages, and the relationship among banks, developers and buyers is still triangular. If the loan repayment is completed at this time, the buyer can ask the developer for the property right certificate of commercial housing after receiving the repayment certificate from the bank. If the developer has already handled the commercial housing property certificate, the buyer can directly get the commercial housing property certificate. However, if the developer has not yet handled the commercial housing title certificate, the buyers can only ask the developer to handle the commercial housing title certificate as soon as possible.

Procedures for handling real estate license after mortgage settlement

1. Bring the house purchase contract, loan contract and corresponding repayment records, and issue a repayment certificate to the repayment bank.

2. Bring the loan repayment certificate, property right certificate, house mortgage certificate, house purchase contract, loan contract, property owner's ID card, household registration book and other materials issued by the bank to the real estate transaction department for Tong Lili's replacement business.

3. Generally, you can get a new real estate license in about 7 working days.

What are the procedures for buying a house by loan?

1. Asking about the qualifications for buying a house: Before buying a house, buyers must first know whether they meet the local conditions for buying a house, especially friends who want to buy a house in these big cities. If they are not qualified to buy a house locally, they can't apply for a loan to buy a house. Generally speaking, buyers with local hukou can buy the first suite locally, and some cities will require buyers with foreign hukou to pay social security.

2. Estimate the funds for buying a house: you don't have to prepare a down payment to buy a house with a loan. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures. Before buying a house, everyone should have thought about what kind of house to buy, and have some understanding of the down payment required for buying a house with a loan, but we must not ignore other expenses such as taxes, maintenance funds, property fees and decoration fees in the later period.

3. Looking at the house and choosing a house: Buyers should follow a principle when looking at the house and choosing a house, that is, what suits them is the best. When choosing a house, they should determine the location according to their own living and working scope, and pay attention to various aspects such as apartment type, floor and environment. In addition, buyers need to know more about the developers and whether the real estate developed and built by the developers is supported by banks, because some real estate projects may not be able to apply for loans.

How can I get the property right back after the loan is paid?

After paying off the housing loan, you can get the real estate license within 7 working days after going through the following procedures.

1, with the purchase contract, loan contract and previous repayment records, issue relevant certificates to the repayment bank that the loan has been paid off;

2. With the certificate issued by the bank, the original property right certificate, the certificate of other rights of the house, the purchase contract, the loan contract, the identity card of the property owner, the household registration book and other materials, go to the real estate transaction department to handle the replacement business.

3. Generally, you can get a new real estate license in about 7 working days.

When making a loan, most banks will let you go to the Housing Authority to make a certificate of other rights indicating the mortgage matters, and put this certificate of other rights in the bank to apply for the real estate license. After the loan is paid off, take the bank's certificate to the Housing Authority to make changes, and cancel his right certificate at the same time.

Extended data:

If the original title certificate of the commercial house is mortgaged to the bank, the buyer has repaid the loan, or repaid the loan in advance, and contacted Chen Bank in advance. Bank staff will tell buyers when to go through the relevant formalities. Different banks will have different specific requirements, but banks will require buyers to bring ID cards, collateral credentials, loan contracts, copies of insurance policies and other related information.

Property buyers will receive repayment vouchers after settling accounts in the bank at the agreed time, and the bank will also return the original commercial housing title certificate, the original sales contract and the original insurance policy to the property buyers. Property buyers can get their own commercial housing property certificate back.

Note: The ownership of the house is subject to the records in the real estate register, which is recorded by the registration authority and kept by the authority, and is not controlled by the obligee. If the registration authority or its staff change the contents of the register without authorization, the obligee will be in danger of losing his rights.

In order to prevent this from happening, it is necessary for the registration authority to issue the property right certificate to the obligee after the house registration, and the content recorded in the property right certificate is consistent with the registration book.