2. The borrower holds his valid ID card and decompression materials to the provident fund center to receive the house ownership certificate and decompression notice.
3. The borrower who cancels the real estate mortgage shall go through the formalities of real estate decompression at the original mortgage registration department with his valid ID card, his right certificate, real estate license, repayment certificate and other materials.
According to the relevant laws and regulations, when the mortgage contract is changed or the mortgage relationship is terminated, the mortgage parties shall go to the original registration authority to change or cancel the mortgage registration within 15 days from the date of change or termination. When real estate is mortgaged, the mortgage registration shall be handled at the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.
note:
1. After the decompression is completed, the borrower can get the room book. At this time, you can pay attention to the mortgage records on the house, including the amount and duration of the mortgage, and the bank keeps the other warrants printed by the local housing authority.
2. After the loan is settled, the general bank will return the borrower's other warrants, and then take them to the Housing Authority to understand the mortgage situation. After printing the mortgage record, the date of canceling the mortgage will be 100% owned by the borrower, and the loan can be sold or mortgaged again.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 209
The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law.
Natural resources owned by the state according to law may not be registered.
Article 394
In order to ensure the performance of the debt, if the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, the creditor has the right to be compensated in priority for the property.
The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.