Applying to the bank to cancel the mortgage loan usually goes through eight links:
1. The seller applies to the loan bank for prepayment, and inquires about prepayment matters, including whether and how much liquidated damages are required;
2. Repay in advance at the loan bank, and deposit the full amount of funds into the repayment bank card in advance before repayment;
3. Repayment (payment should be made before the agreed time, which cannot be three days before or after the repayment date. );
4. Go to the loan bank for settlement on the next day of repayment and print the interest list (tax deductible);
5. Materials issued by the post-loan management center of the bank to cancel the mortgage;
6. Go to the guarantee company (you don't need to apply for a commercial loan, and you don't need to apply for a provident fund loan at that time);
7. Go to the real estate registration center where the house is located;
8. Archive and complete the release.
Note: Different banks may have different regulations, which shall be subject to the regulations of the lending bank.
Know the information needed for mortgage loan.
1. Application for cancellation of registration (stamped with the official seal of the bank or mortgagee);
2. Cancel the mortgage registration agreement (with the official seal of the bank or mortgagee);
3. Power of attorney of the bank (stamped with the official seal of the bank or mortgagee);
4. Original property certificate;
5. Original certificate of other rights;
6. The original and photocopy of the trustee's ID card.
Note: Different regions may have different policies. Please consult the local real estate center for details.
Matters needing attention in mortgage cancellation 1. Borrow money from a regular company.
If you don't use the buyer's down payment to understand the mortgage loan, it means that you need to choose one of two methods: borrowing from an intermediary agency and borrowing from a guarantee company. But I have to remind you, you must find a regular company, otherwise it is a trivial matter to collect fees at random, and it will be very troublesome to be entangled in lawsuits.
2. Get the consent of the bank
According to the Guarantee Law and the Regulations on the Administration of Real Estate Mortgage, the mortgaged real estate can only be transferred or leased with the consent of the mortgagee (that is, the bank). In other words, you must get the consent of the bank before transferring the mortgaged property, otherwise you can't buy or sell it.
Step 3 sign the contract carefully
Whether you choose to borrow from an intermediary company or a guarantee company, or use the buyer's down payment to solve the mortgage loan, you must carefully read the contract and check the important information to avoid disputes.