To cancel the mortgage of the house after the loan is repaid, the lender needs to bring the following four materials to the real estate transaction hall:
1. ID card;
2. House property ownership certificate (if you are living together with a partner, you must also bring the other party’s property certificate);
3. Other certificates;
4. There is also a repayment certificate issued by the bank prove.
Be sure to pay attention to details when canceling a house mortgage. Once something bad happens, it will affect your rights and interests. Therefore, you can ask a professional lawyer about these issues before going through the procedures, which can help you. By completing the cancellation procedures quickly, you can avoid future troubles and kill two birds with one stone.
Extended information:
1. Loan completion procedures
After the loan is repaid, the lender needs to go to the bank where it is located, and the bank will issue the corresponding loan clearance certificate. This is very important and is a necessary document for the Housing Authority to handle the mortgage cancellation procedures.
2. When applying for a home loan, banks usually mortgage the property. The home buyer's property certificate also has a mortgage registration mark and cannot be listed for trading. Once the home loan is paid off, remember to cancel the mortgage registration in time. At this time, the lender brings the completed "Mortgage Cancellation Application Form", "House Ownership Certificate" and "House Ownership Certificate" or mortgage certificate to the local housing management department for processing. In this way, you will be considered to have full ownership of your house.
3. Remember to cancel the guarantee procedures
Quite a few people choose guarantee institutions for guarantee when their mortgages are transferred from business to business. After the mortgages are settled, they should also be canceled in a timely manner. Guarantee procedures and return of the guarantee deposit.
Reference materials: Housing mortgage loan Baidu Encyclopedia