Question 1: How to apply for the real estate license after the bank mortgage is paid off? Because it takes a long time between auction sale and obtaining the certificate of immovable property rights, before the certificate of immovable property rights is completed and mortgaged to the bank, the developer, the bank and the buyer will often sign a guarantee contract, and the developer will make a phased guarantee to the bank to ensure that the certificate of immovable property rights will be directly handed over to the bank. From the time the developer completes the commercial housing title certificate to the time the developer gives the commercial housing title certificate to the bank, the developer actually controls your commercial housing title certificate. After the completion of the commercial housing property certificate, the developer will directly hand over the commercial housing property certificate to the bank for mortgage, and some banks can use the commercial housing property certificate for mortgage registration. Since then, the title certificate of commercial housing has nothing to do with the developer. It is a general process to get back the title certificate of commercial housing or cancel the mortgage registration, and there will be many situations in actual operation. After the mortgage is paid off, there are three situations to get back the title certificate of commercial housing: (1) get back your own title certificate from the bank. If the original title 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, mortgage documents, loan contracts, copies of insurance policies and invoices. Buyers will receive repayment vouchers after going to the bank for settlement 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 buyers. In this way, property buyers can get back their own commercial housing property certificates. (2) It is more complicated to get back the property right certificate from the developer. Property buyers have paid off their loans before the mortgage of commercial housing property certificate. As the property right certificate of commercial housing of buyers has not been mortgaged, developers are still in the stage of mortgage by stages, and there is still a triangular relationship among banks, developers and buyers. If the loan repayment is completed at this time, the buyer can ask the developer for the property right certificate of the commercial house 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 property certificate, the buyers can only ask the developer to do a good job in the commercial housing property certificate as soon as possible. (3) Handling the cancellation of mortgage registration Some banks do not require buyers to put the original commercial housing property certificate in the bank, but only need to register the mortgage, and buyers can hold their own commercial housing property certificate with the mortgage registration mark. If this is the case, after paying off the loan, the buyers need to cancel the mortgage registration in addition to going to the bank for formalities. After the buyer completes the settlement formalities in the bank, the bank will personally or entrust a lawyer to contact the administrative department for cancellation (cancellation) of mortgage registration, usually at the local construction Committee (Construction Bureau) or the State Bureau of Land and Housing. The requirements of local construction committees (construction bureaus) or Guotufangguan Bureau are different. You can consult the bank or these departments in advance. Usually, in addition to ID card, collateral certificate, loan contract, copy of policy and invoice, buyers also need to bring the repayment certificate issued by the bank. The above is the problem of getting back the real estate license after buying an auction house and paying off the loan. If you buy an existing home, there is no step for the developer to guarantee it by stages, only the relationship between the buyer and the bank is left, so there is no such second situation. In a word, repaying the loan does not mean that the house belongs to the buyer completely, so we must remember to cancel the mortgage registration and get back the real estate license we put in the bank.

Question 2: What procedures do you need to go to the bank to get a repayment certificate after the mortgage is paid off, and then cancel the mortgage?

Question 3: After the house loan is paid off, how to go through the formalities of paying off? Hello, if the mortgage you applied for in our bank has been settled (including early settlement and natural settlement), it is generally necessary for the borrower to go through the settlement procedures, cancel the mortgage registration and obtain the real estate license at the relevant local departments. The specific regulations of each branch are different. I suggest you contact the loan handling bank to consult the local policy.

If you have any other questions, please visit China Merchants Bank's "Online Customer Service" (website: forum.cmbchina/...ncmu=0), and we will serve you wholeheartedly! Thank you for your attention and support!

Question 4: What procedures do I need to go through after the house loan is paid off? The following procedures are required: 1. Handle the cancellation procedures of house mortgage with the loan bank; 2. Go through the refund formalities of the corresponding insurance premium with the insurance company; 3. Return the deposit to the developer (if any).

If you have applied for the real estate license during the loan period,

Just take the cancellation form, other warrants and the bank's ID card to the window of the administrative service center. If there is no real estate license, after the loan is paid off, 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:

1. Copy of ID card or household registration book, household registration certificate and private seal of the property owner and co-owner. 2. Purchase contract (original). 3. A copy of the deed.

4. Purchase invoice and copy.

5. House number and copy.

6. Marriage certificate and photocopy or unmarried certificate.

Question 5: What if the loan is paid off? I took my ID card, purchase contract, purchase invoice and deed tax invoice to the real estate trading center for real estate license.

Question 6: What procedures do you need to go through after the house loan is paid off? The following procedures are required: 1. Handle the cancellation procedures of house mortgage with the loan bank; 2. Go through the refund formalities of the corresponding insurance premium with the insurance company; 3. Return the deposit to the developer (if any). If you have already applied for the real estate license during the loan period, you only need to go to the window of the administrative service center with the cancellation form, other warrants and the bank's ID card. If you don't have a real estate license, after the loan is paid off, take the cancellation slip from the bank to the housing management office window for cancellation, and then apply for a real estate license. You must bring the following information: 1, a copy of the ID card or household registration book of the property owner and co-owner, a household registration certificate and a personal seal; 2. Purchase contract (original); 3. A copy of the deed; 4. Purchase invoice and copy; 5. House number and copy.

Question 7: What will happen after the house is out of supply? How to apply for a bank loan? Simply put, as long as you don't pay back the money within a certain period of time, you will be auctioned. The basic procedures are bank prosecution, court seizure, auction, repayment of bank loans from auction, and the rest for you. As long as the house appreciates, your down payment should not be wasted, but you can't get a loan from the bank in the future.

Question 8: What procedures do I need to go through after the house loan is paid off in advance? After the bank mortgage is paid off in advance, you need to go through the following procedures at the Real Estate Bureau:

1. After the house loan is paid off, you need to go through the formalities at the bank where the loan is located and obtain other property rights certificates. The bank will stamp the official seal on other property certificates, indicating the cancellation opinions, such as: the loan has been paid off and you agree to cancel the mortgage.

2. Then, the property owner holds the original real estate license, other warrants and ID cards to the mortgage department of the local property housing security and real estate administration for mortgage cancellation registration.

3. If there is more than one name on the property right certificate, at least one property owner must be present, and the original ID cards of other property owners can also be handled. If there is a minor's name, the guardian must bring a certificate to prove the identity of the guardian.

Question 9: How to go through the formalities of paying off the mortgage in advance? First, apply to the bank, which is usually approved within one month at the latest. The bank will inform you. My friend approved it that day. He can pay it off. The bank will give you a note and take the real estate license to the housing management center to stamp it.

Question 10: What will the bank do when you can't repay the house loan later? You think too much. For example, when you still need 300,000 yuan, the bank comes to you first, and you say you really can't afford it. Unless you are disabled and have terminal cancer, there is really nothing you can do, or you will continue to look for it. If your life is really over and there is nothing you can do, he will sell your house at the price of 30 yuan. As long as he gets 300 thousand yuan and pays it off in the bank account, he won't care so much. He can also find someone to buy a house with a market price of 500,000 yuan. He found a relative or friend and bought it at a price of 300,000 yuan, which made a huge profit. He did a good job, too. It's your loss. You will also be blacklisted by the bank, and you will not be eligible to apply for loans, credit cards or anything else in the future.