When handling mortgage registration, the borrower needs to take the loan contract, real estate license, personal ID card and other materials to the Housing Authority for mortgage registration. After the registration is completed, the Housing Authority will issue a mortgage certificate. At this time, the real estate mortgage loan is really completed, and the property right of the house is also owned by the mortgage institution.
As for the mortgage registration fee, different regions charge different fees, generally 80- 100 yuan per set. If you apply for mortgage registration together with the forward mortgage loan, it will involve different mortgage registration fees, which shall be subject to the local housing authority.
In addition, after paying off the mortgage, don't forget to go to the Housing Authority to cancel the mortgage registration. Only after the mortgage registration is cancelled, the house belongs to the owner, and generally no cancellation fee is charged. Housing mortgage bank loan procedures:
1. Need to open a current deposit account with a banking institution;
2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;
3. The bank business manager or appointed lawyer shall conduct home visits to investigate the authenticity, legality and completeness of the information provided;
4. After the approval of the bank, notify the approval result and sign the loan contract;
5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;
6. The bank will directly transfer the loan to the account agreed in the contract;
7. Please repay the principal and interest according to the loan contract.