The commercial mortgage loan of the Postal Savings Bank was paid off in advance, and the bank did not give the loan.

First, the commercial mortgage loan of the Postal Savings Bank was paid off in advance, and the bank did not give the loan.

Teachers, I want to ask a real question! I have my own property, so I don't want to disturb others. I went to the bank to use the real estate as collateral and consulted the bank staff. They said that I had to go to the bank in the name of a big company and go through all the formalities of a big company in order to get more money! The reason for this is that bank repayment is more secure. As the first source of repayment, mortgaged property is the second source of repayment! So I asked a slightly bigger company for help (I gave the company X yuan privately without writing any formalities) and borrowed money in the name of this company! But for various reasons, the loan money is gone! In other words, you can't pay back the bank money! The loan was originally for greater development! But the result was unexpectedly lost! What should I do now so as not to bring trouble to the company I am looking for and affect the normal operation of others? That's how to make this company escape legal responsibility! How can I let the bank directly execute my property to repay the bank loan? Thank you teachers who can help, thank you!

Second, what's wrong with paying off the mortgage without issuing a notice of cancellation and issuing a notice of repayment?

Need to go through a decompression procedure. 0 1, loan settlement If all our loans have been settled, then we must take the loan settlement notice issued by the bank to the management department to open a notice of cancellation of real estate mortgage. It should be noted that this notice is usually made in triplicate, with one kept by the relevant department and the other two directly handed over to the borrower. 02. The borrower who obtains the real estate license can bring his ID card to the central personal loan department to obtain the real estate license. In addition to this certificate, he also needs to receive a notice of release. If all the above procedures are complete, then we can take them to the local property rights trading center for mortgage cancellation. You can go directly to the property rights trading center for numbering, and then go through the relevant formalities directly at the business processing window, which is not particularly complicated.

The car loan has been paid back for 20 days, why haven't you received the notice?

If the car loan has been paid off, but no notice has been received, it is probably only because the handling bank or the auto consumption finance company has not provided this service. Although many banks and auto consumer finance companies have SMS reminders for repayment, they will also remind customers of the amount of the current bill before the repayment date approaches, so that customers can remember to repay on time and not overdue. After the customer repays the loan, the contract will be terminated immediately, and naturally there is no news notice.

In fact, customers can log on to online banking or mobile banking to check their car loan repayment records. After confirming that you have paid off all the loans, you can go to the bank (auto financing company) to issue a loan settlement certificate, get back the vehicle registration certificate, and then go to the vehicle management office to learn about the mortgage procedures without waiting for notice.

Of course, some banks and auto financing companies do contact customers after they have repaid their car loans, asking them to get back the vehicle registration certificate as soon as possible and cancel the vehicle mortgage registration. If the customer did not receive the notice, it may be because the customer changed his mobile phone number or missed the call.

Fourth, the mortgage will be automatically lifted after it is paid off.

After the mortgage is paid off, it will not be automatically cancelled with the real estate bureau.

Of course, after the mortgage is paid off, the bank may not be able to wait for the real estate license immediately. Users can go through the mortgage cancellation procedures after obtaining the real estate license, mortgage settlement certificate and bank authorization.

Mortgage, also known as mortgagee, applies to the bank for mortgage loan, and provides personal sales contract, guarantee and other documents that must be submitted according to legal documents. After passing the examination, the bank undertakes the housing sales contract and mortgage loan contract concluded between the bank and the buyers, and handles the registration and notarization of real estate mortgage. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

Mortgage integral

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. When applying for individual housing loans, borrowers must provide entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Independent operation

Personal housing self-operated loan is a loan given to individual buyers from the source. Also called commercial personal housing loans, like banks, China Construction Bank is called personal housing loans, and Industrial and Commercial Bank and Agricultural Bank are called personal housing secured loans.

Consortium lending

Personal deposits and credit funds are loans and loan combinations for ordinary housing. In addition, there are housing savings loans and mortgage loans.

Mortgage interest, biweekly payment, etc. ;

Loan amount: 80% of the value of the loanable property after being audited by the bank.

Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.

Loan term: the mortgage is 20 years, and the loan term plus the applicant's age shall not exceed 70 years old.