What should the mortgage bank do if it drags on?

1. What if the mortgage bank drags it?

What if the bank refuses to cancel the mortgage after paying off the mortgage? After paying off the mortgage, the bank can go without canceling the mortgage. If the bank refuses to terminate the mortgage contract and cancel the mortgage registration after the debt is paid off, the mortgagor may negotiate with the bank. If negotiation fails, the mortgagor may ask someone.

The bank and the Housing Authority did not set a time limit for the release of houses. As long as the information is complete, it is possible to understand the mortgage in a few years. Real estate mortgage needs to go to the loan bank to handle the loan settlement certificate and loan repayment certificate, and get back the mortgaged real estate license and other rights certificates. If the bank loses the information at that time because of a long time, the borrower can ask the bank to re-apply the relevant information.

2. Is there a bank agent in Hefei real estate release process?

Yes

Hefei housing loan application requires ownership certificate, land use right certificate, ID card of both husband and wife of the borrower, household registration book, marriage certificate (single person needs to issue a single certificate at the local civil affairs bureau) and income certificate (with official seal). House inspection and evaluation. Depending on the location and building of the collateral. Houses can generally be loaned to 50-80% of the assessed price.

Hefei housing loan application needs to go through the formalities of real estate insurance and corresponding loan approval in the bank, and agree to approve the loan.

Third, what if the mortgage decompression bank drags on for too long?

The mortgage issuing bank has been dragging on for too long and there is no way to solve the problem. Lenders can only prepare more materials and go to the bank to push for the prepayment settlement certificate. You can contact the developer to help you understand the mortgage procedures. Under normal circumstances, the mortgage cancellation procedures shall be handled by the local housing authority.

You need to make an appointment to cancel the mortgage. Make an appointment this month and handle it next month. Mortgage issuance is generally completed within one month.

Fourth, pay off the mortgage, and the bank has not yet cancelled the mortgage?

1, different banks have different rules for applying for an appointment. General banks will require the loan period to be 3- 12 months before they can apply for early repayment;

2. To make up the balance, the lender needs to deposit the remaining balance into his repayment account after applying for an appointment;

3. After the front desk settlement bank receives the application, the personal loan center will issue an internal advance payment;

4. To issue a new certificate, the lender can bring his other rights certificate, settlement certificate, original property certificate and identity card to the property rights exchange center for renewal.