Handler:
1. Repayment in full in advance: after the loan bank verifies that the relevant materials are correct, it will go through the formalities of prepayment in full.
2. Early repayment with the same loan term: the loan bank instructs the borrower to fill in the relevant agreement. If the original loan guarantee method is mortgage+insurance, and the mortgage registration has not been completed, you need to go to the insurance company designated by the city center with the original insurance policy, your ID card and relevant agreements to reduce the insurance coverage, and the final agreement should be sent to the corresponding sub-center by the loan bank in time.
3. If the original loan guarantee method is mortgage+insurance and the mortgage registration has been completed, the borrower who chooses non-mortgage+insurance applies for partial repayment in advance and shortens the loan period: the loan bank instructs the borrower to fill in the relevant agreement, and the signed agreement is sent to the corresponding sub-center in time by the loan bank.
What should I do if I repay my mortgage in advance, but I can't get the real estate license?
1. Get your property right back from the bank.
If the original title certificate of the commercial house is mortgaged to the bank, the buyer has repaid the loan, or repaid the loan in advance, and contacted the bank in advance. Bank staff will tell buyers when to go through the relevant formalities. Property buyers will receive repayment vouchers after settling accounts in the bank 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 property buyers.
2. Get your property right back from the developer.
This situation will be more complicated. Property buyers have paid off the loan before the mortgage of commercial housing property certificate is completed. Because 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 a triangular relationship among banks, developers and buyers.
If the loan is repaid at this time, the buyer can ask the developer for the title certificate of commercial housing with the certificate 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. If the developer has not yet handled the property right certificate of commercial housing, the buyer can ask the developer to run the property right certificate of commercial housing as soon as possible.