1. Personal mortgage of creditor's rights: cancel at the trading center with my personal certificate and creditor's receipt or running bill (with correct amount) and debtor's ID card (or copy of business license) that can be proved to creditors.
Second, the bank credit mortgage: individuals also apply for loans, with the information given by the bank, including (copy of the bank business license, copy of the legal person, copy of the client, proof of other rights, etc.). ) and the real estate license to the trading center for cancellation.
After paying off the mortgage loan, the bank will issue the settlement procedures within 1-3 working days. With the settlement procedures, you can go to the real estate bureau, then you can complete the mortgage cancellation, and then you can go through other transfer procedures. The main reason is that some banks need 10 working days to extract information and power of attorney, and the regulations of local construction committees are different. Some banks can extract information on the same day, while others can't. Because the transmission speed of electronic files is different.
Only when the mortgage registration is revoked can the owner have complete property ownership and be free to buy and sell houses without any restrictions. In addition, some property buyers have gone through the guarantee procedures when handling loans. Such homeowners also need to go to the guarantee company to cancel the guarantee procedures, and then they can go to the Housing Authority to go through the relevant property rights procedures.
1. After the individual also asks for a loan, he should bring the information given by the bank.
(1) Copy of the business license of the loan bank.
(2) a copy of the legal person.
(3) A copy of the client.
(4) Proof of other rights.
(5) repayment certificate issued by the bank.
(6) Personal information, including ID card and house title certificate (if the house is owned by * * *, you must also carry the house title certificate of the owner of * * *).
2, to the real estate trading center for cancellation procedures.
Legal basis: Article 70 of the Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Real Estate is under any of the following circumstances, the parties may apply for cancellation of mortgage registration with the necessary materials such as real estate registration certificate and mortgage cancellation materials:
(1) The principal creditor's rights are extinguished. (2) The mortgage right has been realized; (3) The mortgagee waives the mortgage right; (4) Other circumstances in which the mortgage right is extinguished as stipulated by laws and administrative regulations.