How to decompress the house

1. Apply to the bank for prepayment 30 working days in advance, and the bank will agree on the repayment time after review (written reservation form). Appointment requires the lender's ID card; 2. On the scheduled repayment date (effective on the same day), bring the repayment bank card (the bank does not accept cash, and all the money will be deducted from the card, so the corresponding amount must be deposited in the card in advance), the lender's ID card, the scheduled repayment slip and the loan contract to the designated bank for repayment business; 3. Go to the bank for repayment procedures after repayment 10 working days (relevant documents of the Housing Authority for decompression procedures). 4. Upload personal information online and relevant documents issued by the bank for review, and notify by SMS after approval; After passing the examination and approval, online select the sub-center that is most convenient for individuals to handle on-site, make an appointment, submit, notify by SMS after passing, and go to the site according to the appointment time; 5. When going to the real estate trading center, you need to bring the original real estate license, a copy of the registration page and structural drawing page of the real estate license, the procedures issued by the bank, the original personal ID card and the front and back copies, and brush the ID card to get the number on the spot; 6. After1working day, the real estate trading center can complete the decompression procedure and carry out other related businesses.

Article 397 of the Civil Code? Where a building is mortgaged, the right to use the construction land occupied by the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together.

If the mortgagor fails to jointly mortgage in accordance with the provisions of the preceding paragraph, the mortgaged property shall be regarded as joint mortgage.