If the loan is only in the name of an individual, then the lender himself can go to the bank to sign the prepayment. Moreover, both husband and wife apply for loans, so early repayment of loans must be signed by both husband and wife.
Generally, prepayment requires housing loan contract, lender's ID card, bank card or passbook of prepayment account and prepayment application form. Check the requirements for prepayment in the loan contract, and pay attention to whether there is a certain penalty for prepayment. Different banks have different regulations on early repayment, so consult the bank in advance before repayment. The borrower brings the relevant documents to the borrowing bank, goes through the relevant formalities of prepayment, submits the prepayment application form, and deposits the prepayment in the counter.
After the house loan is paid off, the bank will get his property right certificate, and the bank will stamp the official seal on his property right certificate, indicating the cancellation opinion, such as: the loan has been applied, and the words agree to cancel the mortgage. Then the property owner himself carries the real estate license, other warrants and the original ID card to the mortgage department of the property rights department of the housing management office for mortgage cancellation registration. 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.
legal ground
Measures for the administration of urban housing ownership registration
Article 13 When applying for registration, the obligee (applicant) shall submit the valid certificates of the entity or relevant personnel to the registration authority.
When applying for registration, an agent shall submit a written power of attorney from the obligee (applicant) to the registration authority in addition to the valid certificate of the agent. Nineteenth the establishment of housing mortgages, pawning rights and other rights, the obligee shall apply for registration of other rights within 30 days from the date of the fact.
When the obligee applies for the registration of other rights of the house, it shall submit the certificate of ownership of the house, the contract for the establishment of other rights such as housing mortgages and pawning right, and relevant supporting documents.