What do I need to do to decompress my house? Is there any other procedure that needs to be done afte

To release the mortgage of the house, you need to issue materials from the bank or other mortgage institutions.

The general banking process is as follows:

1. Make an appointment for repayment, and the bank will inform you of the specific repayment amount and time.

2. The repayment amount shall be credited to the repayment account in full within the agreed period.

3. The bank deducts the money successfully and issues the release materials. Generally 7-15 working days. Generally, the person entrusted to release the unpacking materials is the property owner himself.

4. The property owner himself brings his ID card, property right certificate, and release materials, goes to the housing management office in the area, receives the number at the consultation desk, and goes through the procedures for releasing the mortgage, which can be handled on the same day.

It should be reminded that now the housing management office accepts more business, it is recommended to queue up in the morning, and when the afternoon number is finished, it will not handle the business.

It will be filed within 1 working day after the release of the mortgage, that is, the mortgage will be released today, and other businesses can be handled tomorrow.

A copy of the ID card of the owner of the house, the certificate of ownership of the house, and the loan settlement certificate issued by the mortgage bank.

Application for cancellation of mortgage registration. If the real estate is mortgaged on the basis of a certificate of ownership of the house obtained in accordance with the law, the registration authority shall record the other rights above and the mortgagor shall receive the mortgagee. In the event of a change in the mortgage contract or termination of the mortgage relationship, the mortgage party shall, within 15 days from the date of change or termination, go to the original registration authority to change or cancel the mortgage registration.

Generally, it takes 1-3 working days for the real estate certificate to be released. The release of the mortgage is the discharge of the mortgage relationship between the borrower and the bank. After the house is repaid off the loan, the bank will show the loan repayment certificate within 1-3 working days, and then bring the purchase contract, ID card, loan contract, loan repayment certificate, etc., to the local real estate trading hall to go through the mortgage cancellation procedures, and after receiving other warrants and release notices, go through the follow-up release procedures with the relevant departments.

After the house is decompressed, it still needs to go through the settlement procedures. After the loan is settled, go to the housing authority to go through the mortgage release procedures with the ID card, other warrants, real estate certificates, loan settlement certificates issued by the bank, and go to the local housing authority to go through the mortgage registration procedures, the time is not necessarily the same everywhere, generally 2-3 working days, and the bank keeps the local housing authority printed the warrant, after the loan is settled, the bank will return the warrant, take it to the housing authority to release the mortgage, and print the date of cancellation of the mortgage after the mortgage record, you can sell or re-balance the mortgage.

Law of the People's Republic of China on the Management of Urban Real Estate

Article 62.

When real estate is mortgaged, it shall go through the mortgage registration with the department specified by the local people's ** at or above the county level.

Where land use rights and house ownership are obtained as a result of the disposal of real estate that is blocked by Li Zhu, the transfer registration shall be handled in accordance with the provisions of this Chapter. Article 63.

Where the people of provinces, autonomous regions, and municipalities directly under the Central Government determine that the local people at or above the county level are responsible for real estate management and land management by a unified department, they may make and issue a unified certificate of real estate rolling and demolition rights, and in accordance with the provisions of Article 61 of this Law, the ownership of the house and the confirmation and change of the land use right within the scope occupied by the house shall be respectively included in the real estate right certificate.

After the house is decompressed, it is also necessary to go through the transfer procedures, pay off the mortgage in accordance with the relevant regulations, and the bank will issue the settlement procedures within 1 to 3 working days. The materials that need to be brought to handle the real estate release procedures are as follows: 1. Personal creditor's rights mortgage:

Bring your own documents and some receipts from the creditor or a statement that can prove to the creditor (the amount is correct), the debtor's ID card (or a copy of the business license) and other materials to the trading center for cancellation. 2. Bank credit mortgage: If the individual also asks for a loan, bring the information given by the bank, including (a copy of the business license of the bank loaned, a copy of the legal person, a copy of the principal, a copy of other rights certificates, etc.) and the real estate certificate to the trading center for cancellation.

Legal basis: Article 62 of the Law of the People's Republic of China on the Administration of Urban Real Estate When real estate is mortgaged, it shall be registered with the department specified by the local people's ** at or above the county level. Where land use rights and house ownership are obtained as a result of the disposal of mortgaged real estate, the transfer registration shall be completed in accordance with the provisions of this Chapter.

Legal analysis: In the case of the cancellation of the mortgage registration of the sedan car, it is necessary to provide the necessary materials such as the real estate registration certificate, the materials of the extinction of the mortgage, and the identity certificate.

Legal basis: Detailed Rules for the Implementation of the Interim Regulations on the Registration of Immovable Property Article 70 In any of the following circumstances, the parties may apply for cancellation of the registration of the mortgage right with the necessary materials such as the certificate of registration of the immovable property and the materials for the extinction of the mortgage right: (1) the extinguishment of the principal creditor's right; (2) the mortgage has been realized; (3) The mortgagee waives the right of mortgage; (4) Other circumstances in which laws and administrative regulations provide for the extinction of the mortgage right of the closed sail code.