Does every home buyer get a decompression certificate?

First of all, it will be clear to you that you need to release the mortgage after the mortgage is paid off!

Because of the loan to buy a house.

When the house is mortgaged to the bank, you must go through the procedures for releasing the mortgage and get back the ownership of the house from the bank.

Here's how it works:

Bring the supporting materials provided by the bank, usually (a copy of the business license of the bank you are lending to, a copy of the legal person, a copy of the principal, other proof of rights, etc.) and the real estate certificate to the transaction to go through the cancellation procedures.

As long as the materials provided are complete, it is generally possible to release the mortgage on the same day, at present, many cities have implemented online release, if you don't understand the place, you can consult the staff of the bank, if you can't release the mortgage offline, or if you don't understand the online operation, you can go to the housing exchange to go through the procedures for releasing the mortgage.

If the client does not go to handle the release of the mortgage in person, but entrusts another person to handle it, the trustee needs to bring his ID card and the power of attorney issued by the notary office in addition to the above documents.

After the mortgage is paid off, you need to go to the Housing Authority (now renamed the Real Estate Exchange Center) to go through the procedures for releasing the mortgage, and there is a procedure called for the withdrawal of the mortgage. There are generally two types of mortgaged real estate: 1. Mortgage of personal creditor's rights.

Since the title states that it is a mortgage generated by a mortgage, then here, we will not talk about the mortgage of creditor's rights.

2. Collateral of bank credit. After the loan is repaid, bring the supporting materials provided by the bank, usually (a copy of the business license of the bank where the loan is made, a copy of the legal person, other warrants and repayment certificates) and the real estate certificate to the transaction to go through the cancellation procedures, that is, the procedures for the release of the mortgage or the withdrawal of the mortgage. The process of unstaking

Usually, after the bank loan is settled, you can apply to the real estate administration department for cancellation and mortgage registration. The following information will be given to the customer after the completion of the formalities:

1) The title certificate of the house; (2) other warrants; (3) Proof of repayment; (4) Application for registration of the cancelled mortgage. (5) Other relevant materials. Take the above items and ID card to the mortgage window of the real estate transaction center and go through the procedures for withdrawal of the mortgage.

After that, the staff at the window will give a receipt slip, and generally within seven working days with the receipt and ID card to receive the property ownership certificate, that is, the mortgage is cancelled.

Get the title deed.

It's not just decompressed. The house decompression is the house that was originally mortgaged by the loan in the bank, and the mortgage can be released, which is completely your own. The process of decompressing the house is that after paying off the loan, go to the bank to obtain the certificate of repayment of the loan and the certificate of other rights, and then the person concerned brings his ID card.

and the certificate of repayment of the loan and other rights certificates, go to the local housing management department to request the cancellation of the mortgage registration, and the normal housing management department will immediately cancel the mortgage registration. To release the mortgage is to go to the Housing Authority.

Go through the procedures for revoking the mortgage of other rights of the real estate certificate and get back the real estate certificate. After the mortgage is repaid, the business loan.

The owner of the house brings the loan settlement certificate issued by the bank and the certificate of "Certificate of Other Rights in Real Estate" to the trading floor to go through the mortgage release procedures without any fees.

Measures for Housing Registration

Article 49.

Where an application is made for cancellation of registration of a mortgage, the following materials shall be submitted:

1) Application for registration;

2) Proof of the applicant's identity;

3) Certificate of other rights to housing;

4) Materials proving the extinction of the mortgage of the house;

5) Other necessary materials.

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.

Legal analysis: 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 issue the settlement procedures within 1 to 3 working days, and go to the real estate bureau with the settlement procedures, you can complete the release of the property and carry out other transfer procedures. The materials that need to be brought to handle the procedures for the release of the property are as follows:

1. Mortgage of personal creditor's rights: bring your own documents and some receipts from the creditor or a statement that can prove to the creditor (the amount of gold 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:

The individual and the person also asked for a loan, and brought the information given by the bank, including (a copy of the business license of the bank to which the loan was made, a copy of the legal person, a copy of the principal, a copy of the principal, other rights certificates, etc.) and the real estate certificate to the trading center to go through the cancellation procedures.

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.

The process of decompressing the house

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

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

3: The bank deducts the money successfully, and the release materials are issued. 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, collects the number at the consultation desk, and goes through the procedures for releasing the mortgage, which can be handled on the same day.

The nature of the release mainly depends on the nature of the mortgage, which is generally divided into two types:

1) Mortgage of personal creditor's rights: bring your own documents and the creditor's handwritten receipt or the statement proving to the creditor (the amount must be correct), the debtor's ID card (or a copy of the business license) and other materials to the transaction for cancellation.

2) Mortgage of bank credit: pay off the loan, bring the supporting materials provided by the bank, usually (a copy of the business license of the bank to be loaned, a copy of the legal person, a copy of the principal, other proof of rights, etc.) and the real estate certificate to the transaction for cancellation procedures.

Here. This should be given.

After all, your needs are different.

Then the decompression is yours.

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.

Local Housing Authority.

Introduction to the business of the Housing Authority:

1. Responsible for the examination and approval of public housing transactions and directly managed public housing in the city.

2. Carry out policy guidance, supervision, management, coordination and service functions for the city's self-managed houses.

3. Responsible for the management of urban construction, resettlement and relocation in the city.

4. Responsible for the confirmation and issuance of certificates for urban public housing in the city, and handle the procedures for changing property rights and titles.

5. Implement the national, provincial and municipal guidelines, policies and laws, regulations and rules on the real estate industry.

Issuance guide: 1. The business license and qualification certificate of the development enterprise.

2. The Planning Commission approves the project.

3. The red line map, site selection opinion, planning land permit, construction permit, construction project planning permit of the construction project.

4. State-owned land use right certificate.

5. Real estate surveying and mapping report.

6. The pre-sale plan of the commercial housing shall explain the location, decoration standards, delivery date, total area of pre-sale, property management entrustment contract after delivery, etc., and shall attach the general plan of the pre-sale of the commercial housing.

7. The funds invested in the development and construction project have reached more than 25% of the total construction cost of the project, or the certification materials for the completion of more than a quarter of the workload of the civil engineering subject and the certification materials for the acceptance of the foundation.

8. Record registration of pre-sale of commercial housing.

1. If you are inquiring about the mortgage of real estate, the inquiry method depends on whether you have implemented online signing of second-hand housing in your local area, referred to as online signing

1. In areas where the second-hand housing transaction network has been implemented, the property rights of the house can be found on the network system of the intermediary company or the housing authority, and you can also go to the housing authority with the seller to inquire;

2. In areas where online signing is not implemented, such as Chongqing, you can only go to the housing authority with the seller or the seller's property co-owner and spouse (choose one of the three) to inquire. Or the trustee issues a notarial certificate of entrustment, and inquires with the notarial certificate of entrustment.

Immovable property is personal privacy, and there is no other way to inquire about immovable property except for the needs of law enforcement by state organs, and there is no other way to inquire about it.

Second, if it is to inquire about the real estate mortgage decompression process:

To revoke the mortgage registration, the property owner needs to bring his ID card, real estate certificate and the procedures issued by the bank after repayment to the local real estate department to go through the "mortgage release registration procedures".

When applying for a loan from a bank, the mortgage of the house is handed over to the bank, and the mortgage is registered by the real estate authority, usually the local housing authority. After the loan is repaid, the mortgage needs to be released, and the bank needs to issue corresponding procedures to release the mortgage registration, such as the loan settlement certificate, the bank legal person power of attorney, etc., and the property owner himself can go directly to the housing authority to go through the procedures for the release of the mortgage registration with these materials, ID card and real estate certificate.

Real estate, decompression process, steps!

If the bank has given you the materials to unmortgage, the property owner can bring the materials and the house book, and the original ID card to the housing authority in the area where it is located, and the Chaoyang District is at No. 3, Courtyard 128, Shifoying Dongli, the transfer hall, and the mortgage is at the gate on the right hand side of the corner of the sentry box to receive the number, and then the second floor is handled in order, no appointment is required, and the working day will be handled on the same day.