What information is needed to cancel the registration of real estate mortgage?

1. Mortgage cancellation information of real estate license

The materials required for the release of real estate include ID card, bank card, marriage certificate, house ownership certificate and other property certificates. When buying and selling a house again, if you don't have the full amount, you choose to pay part of the down payment, and the balance is solved by borrowing from the bank, so you need to mortgage the house to the bank as a loan guarantee. At this time, the property owner's ownership of the house will be restricted, and it is necessary to complete the cancellation of mortgage registration before selling.

Two. Mortgage release process of real estate license

1. Preparation materials: original real estate license, copy of real estate license amount, ID card, marriage certificate (marriage certificate or single certificate or divorce certificate), income certificate, social security details, etc.

2. Make an appointment at the bank and sign a mortgage loan contract at the bank (both husband and wife of the property owner on the real estate license need to bring their ID cards to the bank).

3. After the mortgage is approved, go to the housing management office for mortgage registration.

4. Take out the title certificate with mortgage registration in the housing exchange, and then send the title certificate with mortgage registration back to the bank for lending.

5. The general mortgage loan is about one month (30 working days).

Three. Matters needing attention in handling the cancellation of real estate mortgage

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 you must find a formal company, otherwise it will be small and very troublesome.

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.

3. The bank generally requires the borrower to submit a written or telephone application 15 working days in advance, and the bank will examine and approve the borrower's mortgage repayment application after receiving it. After settlement, the bank will issue a settlement certificate and return his right certificate. Decompression only needs to be handled by the local construction Committee, and it needs to be queued when there are many people. Therefore, it usually takes about a month for banks to repay loans and mortgage loans.

Legal basis:

Measures for the administration of urban real estate mortgage

Article 32 To apply for real estate mortgage registration, the following documents shall be submitted to the registration authority:

(1) The identity certificate or legal person qualification certificate of the mortgagor;

(2) An application for mortgage registration;

(3) mortgage contract;

(4) The State-owned Land Use Right Certificate, the House Ownership Certificate or the Real Estate Certificate, and the House Ownership Certificate and other co-owners' consent to mortgage must also be submitted for the shared house;

(5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage;

(6) Information that can prove the value of the mortgaged real estate;

(7) Other documents deemed necessary by the registration authority.