Do I need to go to the government affairs center to cancel the h

Housing mortgage proceres must be handled by the person concerned, and no other person shall be entrusted to handle them

1, application proceres for real estate mortgage loan

1, submission of materials, application

2, bank investigation, examination and approval

3, signing loan contract and other legal documents

4, mortgage registration and insurance purchase

5, loan issuance

6, borrower's repayment on schele according to the contract

7, settlement of loan, cancellation of mortgage registration

2 Application materials for housing mortgage

1, housing ownership certificate

2, mortgage application form

3, mortgage contract

4, data proving housing value

5, power of attorney

6, identity certificate of mortgage parties or business license or code certificate of legal person (original and )

7, land use certificate submitted for non residential housing mortgage

8 The housing mortgage of collective owned enterprises shall be submitted to the resolution of the workers' Congress. The real estate mortgage of limited liability companies and joint stock limited companies shall be submitted to the certificate of the resolution of the board of directors and the certificate of the members of the board of directors issued by the instrial and commercial department The certificate of resolution of the board of directors and the certificate of members of the board of directors issued by the Ministry of instry and Commerce for the mortgage of houses of cooperative enterprises and wholly foreign-owned enterprises Good credit and repayment ability 2. Repayment method of real estate mortgage loan 1. For the loan less than 2 years, the interest can be paid monthly, and the principal can be paid once or twice. 2. For the loan more than 2 years, the equal principal and interest repayment method or equal principal (decreasing) repayment method can be selected

After the settlement of the loan, the bank will issue a loan settlement notice. With the notice, follow the procere as follows:

Step 1: after the borrower settles the housing loan, he / she will issue the notice on relieving the mortgage of housing property right to the provident fund center with the loan settlement notice issued by the bank

the second step: the borrower should go to the provident fund center with his valid ID card and the release procere to get the other house certificate and release notice

the third step: the borrower shall go to the original mortgage registration department to handle the real estate mortgage release proceres with his valid ID card, other right certificate, real estate certificate, repayment certificate and other information

reminders: 1. When handling the real estate release proceres, it is necessary to retrieve other warrants from the bank. Without this warrant, the release proceres cannot be smoothly handled

2, the agent needs to write a power of attorney, without which it can not be handled

extended data:

according to the provisions of the guarantee law and the administrative measures for mortgage of urban real estate, the following real estate shall not be mortgaged or be subject to certain restrictions in mortgage:

(1) land ownership shall not be mortgaged; If there are no buildings, structures or projects under construction on the ground, the land use right obtained solely by means of allocation shall not be mortgaged; The land use right of township (town) and village enterprises shall not be mortgaged separately

(2) the right to use collectively owned land, such as cultivated land, homestead, private land and private hills, shall not be mortgaged, except the right to use barren land, such as barren hills, barren ditches, barren hills and barren beaches, which have been contracted according to law and approved by the employer

(3) the real estate with disputed ownership and the real estate sealed up, detained, supervised or restricted in other forms according to law shall not be mortgaged

(4) the real estate used for ecation, medical treatment, municipal and other public welfare undertakings shall not be mortgaged

(5) buildings listed in cultural relics protection and other buildings with important memorial significance shall not be mortgaged

(6) the real estate that has been announced to be included in the scope of demolition according to law shall not be mortgaged

(7) the real estate purchased with national preferential policies can not be fully mortgaged, and its mortgage amount is limited to the proportion of the real estate obligee's disposal and income

(8) illegal buildings or temporary buildings cannot be used for mortgage

source of reference: Internet - real estate mortgage

On the equipment proction platform, click Uzi proction in the lower right corner to get the proction materials with skin on them.

for more strategies, please refer to the special zone after tomorrow