Of course. After paying off the mortgage, if the buyer has no time, he can entrust others to handle the subsequent mortgage cancellation procedures without doing it himself. Property buyers only need to find relatives and friends to issue a power of attorney at the notary office, and then hand over their ID cards, real estate licenses, other warrants and loan settlement certificates to the other party, and then let the other party take the materials and their ID cards to the local housing authority for understanding and charging procedures.

What information do you need to cancel the mortgage agreement?

1, mortgage cancellation registration application form.

2. If the mortgagor is an individual, provide a copy of his ID card (original proofreading); If the mortgagor is an institution, provide a copy of the business license or organization code certificate (original proofreading).

3. If the mortgagee is an individual, submit a copy of my ID card (original proofreading); If the mortgagee is a unit, the enterprise shall provide a copy of the business license (original proofreading), and other units shall provide a copy of the organization code certificate (original proofreading).

4. If the stock house is mortgaged, the original and photocopy of the original house ownership certificate (including the ownership certificate) shall be submitted.

5. If the stock house is mortgaged, submit the original of other warrants; If the pre-sale of commercial housing is mortgaged, the original Certificate of Pre-registration of Housing Mortgage or Certificate of Pre-sale of Commercial Housing Mortgage for the Record shall be submitted.

6. Proof of repayment settlement, written statement of the mortgagee giving up the mortgage right and other original materials to prove the extinction of the mortgage right.

What should I pay attention to when releasing the real estate license?

1. Mortgage cancellation means going to the Housing Authority to go through the mortgage cancellation procedures of other rights of the real estate license and get the real estate license back. After the mortgage loan is paid off, the commercial loan house mainly goes to the trading hall to cancel the mortgage with the loan settlement certificate (A4 paper) issued by the bank and the certificate of other rights of real estate, without charging any fees.

2. In addition, homeowners with mortgage loans have obtained real estate licenses, and they should also go to the Housing Authority to handle mortgage cancellation procedures with real estate licenses. As for the use of provident fund loans, it is necessary to go through the mortgage cancellation procedures in the trading hall after the repayment is over and the provident fund center issues the repayment certificate.

In addition, if the lender repays the loan in advance, it can also refund part of the insurance premium to the insurance company. Generally, when applying for a mortgage loan, you should pay the insurance premium for as many years as possible. If the loan is repaid in advance, for example, after 20 years, the remaining 15 years of insurance premium will be refunded.