How many days does it take for the general mortgage to be repaid to the bank?

Under normal circumstances, the bank will issue a settlement certificate on the day when the loan is settled in advance (automatic deduction can also be obtained at the time of cancellation). Then the bank loan department will arrange the backstage staff to receive his property right certificate (that is, the mortgage certificate), and prepare a letter of introduction to entrust a special person to go through the mortgage cancellation formalities at the real estate trading center where the house is located.

Extended data:

After the individual repays the loan, he should take the information given by the bank, including the copy of the business license of the borrowed bank, the copy of the legal person, the copy of the client, the certificate of other rights, the repayment certificate issued by the bank, and personal information, including ID card and real estate license (if there is a house, the owner's real estate license should also be taken) to the real estate trading center for cancellation.

For normal mortgage cancellation procedures, you need to prepare all the necessary materials to go through the mortgage cancellation procedures in the real estate transaction hall where the house is located. After the procedures are completed, there will be three working days for decompression and filing. Then you can go through the transfer registration procedures.

The procedures for releasing the mortgage are as follows:

1. After the user settles the mortgage, he/she goes to the bank to apply for the settlement certificate, and then the bank will give the user the house ownership certificate, the certificate of other rights, the application for cancellation of mortgage registration, the mortgage settlement certificate and other materials.

2. The user shall go through the mortgage cancellation procedures at the mortgage window of the real estate management center with the above information and my ID card.

3. After submitting the mortgage cancellation application, it can be completed within 2-3 working days.

How to handle the mortgage cancellation procedures:

1, loan settlement. After the borrower's loan is settled, he shall present the loan settlement notice issued by the bank to the management department and the sub-center to issue the Notice of Cancellation of House Property Right Mortgage in triplicate, one of which shall be kept by the center and the other two shall be handed over to the borrower.

2. Obtain the real estate license. The borrower holds his/her ID card and goes to the central personal loan department and sub-center to get the real estate license and the notice of mortgage cancellation issued by the central personal loan department, sub-center and trading center.

3. Make a clear bet. With the above procedures, the borrower goes to the property rights trading center of the city to handle the mortgage cancellation procedures.

What should I pay attention to when handling real estate release?

1. Find a formal company loan: If you don't choose to use the buyer's down payment to understand the mortgage, it means that you need to choose between finding an intermediary loan to solve the mortgage and finding a guarantee company to solve the mortgage. But I have to remind you that you must find a regular company, otherwise it is a trivial matter and very troublesome to be overcharged.

2. Obtain the consent of the bank: According to the Guarantee Law and the Regulations on the Administration of Real Estate Mortgage, the mortgaged real estate can only be transferred or leased with the consent of the mortgagee (that is, the bank). In other words, before you transfer the mortgaged property, you must first obtain the consent of the bank, otherwise you can't buy or sell it. If you sign the contract seriously, you must know the contents of the contract.

What should I pay attention to when I put the real estate license?

1. Mortgage cancellation means going to the Housing Authority to go through the mortgage cancellation procedures of other rights of the real estate license and get the real estate license back. After the mortgage loan is paid off, the commercial loan house mainly goes to the trading hall to cancel the mortgage with the loan settlement certificate (A4 paper) issued by the bank and the certificate of other rights of real estate, without charging any fees.

2. In addition, homeowners with mortgage loans have obtained real estate licenses, and they should also go to the Housing Authority to handle mortgage cancellation procedures with real estate licenses. As for the use of provident fund loans, it is necessary to go through the mortgage cancellation procedures in the trading hall after the repayment is over and the provident fund center issues the repayment certificate.

In addition, if the lender repays the loan in advance, it can also refund part of the insurance premium to the insurance company. Generally, when applying for a mortgage loan, you should pay the insurance premium for as many years as possible. If the loan is repaid in advance, for example, after 20 years, the remaining 15 years of insurance premium will be refunded.