How long does it take to release the house? How long does it take for a house to be released?

It takes about a week for the house to be released. After the parties go to the lending bank to go through the settlement procedures, the bank will issue a repayment certificate within 1-3 working days; Submit the real estate mortgage contract, housing ownership certificate, and loan repayment certificate to the real estate transaction center, and the staff will verify and review and confirm that it is true to cancel the procedures on the spot, and unzip and file it within 3 working days.

[Legal basis].Article 35 of the Measures for the Administration of Urban Real Estate Mortgages.

In the event of a change in the mortgage contract or termination of the mortgage relationship, the parties to the mortgage shall, within 15 days from the date of modification or termination, go to the original registration authority to change or cancel the mortgage registration. If the land use right and the ownership of land, buildings and other attachments are obtained due to the disposal of mortgaged real estate in accordance with the law, the mortgage party shall, within 30 days from the effective date of the disposition, apply to the local people's ** real estate management department at or above the county level for registration of the transfer of housing ownership, and apply to the people's ** land management department at the same level for registration of change of land use right with the changed house ownership certificate.

It generally takes 1-3 working days for the bank to go through the procedures for decompressing the real estate certificate.

After the parties go to the lending bank to go through the settlement procedures, the bank will issue a repayment certificate within 1-3 working days;

Submit the real estate mortgage contract, housing ownership certificate, and loan repayment certificate to the real estate transaction center, and the staff will verify and review and confirm that it is true to cancel the procedures on the spot, and unzip and file it within 3 working days.

If the land use right and the ownership of land, buildings and other attachments are obtained due to the disposal of mortgaged real estate in accordance with the law, the mortgage party shall, within 30 days from the effective date of the disposition, apply to the local people's ** real estate management department at or above the county level for registration of the transfer of housing ownership, and apply to the people's ** land management department at the same level for registration of change of land use right with the changed house ownership certificate.

In general, the title deed.

It takes about a week to release the bond, because the relevant procedures need to be completed and approved before the release can be carried out.

Pay off your mortgage.

The bank will show the settlement procedures within 1-3 working days, and go to the real estate bureau with the settlement procedures, and the real estate can be released immediately. You should bring the purchase contract, ID card, bank card, loan contract, etc., to the real estate trading hall to go through the cancellation procedures.

Attention needs to be paid to the release of the real estate deed.

1. To release the mortgage, that is, 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 owner of the commercial loan should bring the loan settlement certificate (A4 paper) issued by the bank.

and the certificate of "Certificate of Other Rights in Real Estate" to the trading floor to go through the procedures for releasing the mortgage without any fees.

2. In addition, the homeowner who has a mortgage has already obtained the real estate certificate, and he must also take the real estate certificate to the housing authority to go through the mortgage release procedures. As for the use of CPF loans.

At the end of the repayment, the provident fund center will issue a certificate of repayment, and then go to the trading floor to go through the procedures for releasing the mortgage.

The above content reference: Jiayuguan City Property Management Bureau - Do I need to go in person to release the real estate certificate.

Legal analysis: It takes about a month to release the mortgage after the mortgage is paid off. When the last installment of the mortgage is paid off, make an appointment with the bank to release the mortgage, and then take the loan contract to the loan bank, the bank will have a special person to receive it, and issue a certificate of repayment of the loan to the lender and check the real estate certificate, and the lender can take it to the local real estate center to release the mortgage and seal it.

The process is generally one month.

Legal basis: Article 395 of the Civil Code of the People's Republic of China The following property that the debtor or a third party has the right to dispose of may be mortgaged:

1) Buildings and other land attachments;

2) the right to use construction land;

3) the right to use maritime space;

4) Production equipment, raw materials, semi-finished products and products;

5) Buildings, ships, and aircraft under construction;

6) means of transport;

7) Other property that is not prohibited by laws or administrative regulations from being mortgaged.

The mortgagor may mortgage the property listed in the preceding paragraph.

Legal analysis and filial piety: the time required for the release of the house depends on the specific situation, and the process of handling the mortgage and the release of the mortgage by different banks is not quite the same, so the time required for the release of the mortgaged house is also different, and it will generally be completed within 15 working days.

Legal basis: Article 395 of the Civil Code of the People's Republic of China The debtor or a third party has the right to mortgage the following property including round draft points: (1) buildings and other land attachments; 2) the right to use construction land; 3) the right to use maritime space; 4) Production equipment, raw materials, semi-finished products and products; 5) Buildings, ships, and aircraft under construction; 6) means of transport; 7) Other property that is not prohibited by laws or administrative regulations from being mortgaged.

The mortgagor may mortgage the property listed in the preceding paragraph.

The real estate certificate is generally released in about 7 days.

When releasing the real estate, you need to bring your ID card, house ownership certificate, and other rights certificate to go through the settlement procedures after the personal loan is paid off, and the bank issues a repayment certificate and other information to the real estate transaction center to go through the cancellation procedures, and the real estate bureau will complete the release of the real estate certificate about 3 working days after the rough opening, but because of the relationship between the preface materials, it will take about 7 days.

If the borrower repays the loan early, he or she can also get a refund of a portion of the insurance premium from the insurance company. Generally, when applying for a mortgage loan, you have to pay the insurance premium for how many years of the mortgage, and if you repay the loan in advance, for example, the loan will be paid off in full after 5 years, and the insurance premium for the remaining 15 years will be refunded if you meet early.

Precautions for unencumbered housing

1. To release the mortgage, that is, to go to the housing authority to go through the mortgage revocation procedures for other rights of the real estate certificate and get back the real estate certificate. After the mortgage loan is repaid, the owner of the commercial loan will bring the loan settlement certificate (A4 paper) and the certificate of "Certificate of Other Rights in Real Estate" issued by the bank to the trading floor to go through the mortgage release procedures without any fees.

2. In addition, the homeowner who has a mortgage has already obtained the real estate certificate, and Yan Li should also take the real estate certificate to the housing authority at the same time to go through the procedures for releasing the mortgage. As for the use of provident fund loans, after the repayment is completed, the provident fund center will issue a certificate of complete repayment, and then go to the trading floor to go through the procedures for releasing the mortgage.

Legal analysis: For the normal housing release procedures, it is necessary to prepare all the required materials to go to the real estate trading hall where the house is located to go through the mortgage cancellation procedures, and there is a three-working day for decompression and filing after the formalities are completed. Then you can go through the registration procedures for the transfer of ownership.

On the same day, you can declare a new mortgage, which can be carried out on the same day, and the completion of the mortgage to your name must be about 10-20 days on this day, but it does not affect the procedures of the same day.

Legal basis: "Measures for the Administration of Urban Real Estate Mortgage Registration" Article 35 When the mortgage contract is changed or the mortgage relationship is terminated, the parties to the Bizao mortgage shall, within 15 days from the date of change or termination, go to the original registration authority to change or cancel the mortgage registration.

If the land use right and the ownership of land, buildings and other attachments are obtained due to the disposal of mortgaged real estate in accordance with the law, the mortgage party shall, within 30 days from the effective date of the disposition, apply to the local people's ** real estate management department at or above the county level for registration of the transfer of housing ownership, and apply to the people's ** land management department at the same level for registration of change of land use right with the changed house ownership certificate.

It takes about a week for the property to be released. After the parties go to the lending bank to go through the settlement procedures, the bank will issue a repayment certificate within 1-3 working days; Submit the real estate mortgage contract, housing ownership certificate, and loan repayment certificate to the real estate transaction center, and the staff will verify and review and confirm that it is true, and serve Zheng San on the spot to cancel the formalities, and unzip and file it within 3 working days.

What procedures and materials are required for the transfer of real estate?

1. Required procedures:

1) Sign the purchase contract;

2) Submit the transfer application to the real estate bureau; payment of taxes;

3) Collect the title deed.

2. The materials required include:

1) Basic information materials of the applicant;

2) Application form for registration of real estate transfer;

3) Certificate of Real Estate Rights;

4) Administrative decisions of relevant administrative organs, real estate sales contracts, etc.

Characteristics of residency.

1. Strictly follow the residential attributes.

The purpose of the establishment of the right of residence is to meet the needs of life and residence, so whether it is the subject of rights, the object of rights or the content of rights, they all closely revolve around the attributes of residence. The subject of the right of residence can only be a natural person who has the need for living and living, the object of the right can only be a house used for living and residential purposes, and the possession and use of the house in the content of the right can only be used to meet the needs of residence, and cannot be used for other purposes.

2. The principle of free establishment.

The right of residence is different from the right of housing lease collapse, and its legislative purpose is not to solve the problem of housing supply and demand in the market environment, but to protect the basic residential interests of specific civil subjects, so it has certain welfare attributes. Article 368 of the Civil Code stipulates that "the right of residence shall be established free of charge, unless otherwise agreed by the parties."

It can be seen that the establishment of the right of residence is based on the principle of gratuitous. However, from the perspective of respecting the autonomy of will, the legislator also reserves room for the parties to set a certain consideration for the right of residence by separately agreeing.

3. Circulation is strictly restricted.

The right of residence is a usufructuary right established for the residential interests of natural persons, and it is obvious that residential interests can only be linked to natural persons with specific identities, and there is no need or possibility of circulation. Moreover, the establishment of the right of residence is often based on the specific personal or trust relationship between the parties, and it is not suitable for circulation in nature.

[Legal basis].

Article 35 of the Measures for the Administration of Urban Real Estate Mortgages provides that when the mortgage contract is changed or the mortgage relationship is terminated, the mortgage party shall, within 15 days from the date of change or termination, go to the original registration authority to change the old name or cancel the mortgage registration. If the land use right and the ownership of land, buildings and other attachments are obtained due to the disposal of mortgaged real estate in accordance with the law, the mortgage party shall, within 30 days from the effective date of the disposition, apply to the local people's ** real estate management department at or above the county level for registration of the transfer of housing ownership, and apply to the people's ** land management department at the same level for registration of change of land use right with the changed house ownership certificate.

Article 369 of the Civil Code The right of residence shall not be transferred or inherited. The dwelling for which the right of residence is established shall not be rented out, unless otherwise agreed by the parties. Therefore, the possibility of the transfer of the right of residence through transfer, inheritance and lease is basically ruled out.

The borrower shall take back the legal voucher and relevant supporting documents taken by the bank with his/her valid identity certificate and the loan settlement voucher issued by the bank, and the borrower shall go to the original mortgage registration department with the loan settlement voucher to go through the mortgage registration cancellation procedures.

Loan process: 1. The borrower fills in the residential housing mortgage application form before taking out the loan, and submits the following supporting materials to the bank:

Proof of the borrower's fixed economic income issued by the borrower's employer; Credit documents such as business license and legal person certificate of the loan guarantor; Proof of the borrower's legally valid identity.

Proof of ownership of the dwelling or proof of the right to dispose of the dwelling in accordance with the law; Valuation reports, appraisals and insurance documents of the mortgaged property; Contracts, agreements or other supporting documents for the purchase and construction of housing; Other documents or materials required by the lending bank.

2. The bank shall review the borrower's loan application, house purchase contract, agreement and related materials.

3. The borrower shall hand over the property right certificate and insurance policy of the mortgaged property to the bank for custody.

4. The guarantor of the borrower and the borrower sign the housing mortgage contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposit and loan to the borrower shall be transferred to the sales unit or building unit specified in the purchase contract or agreement.

6. Loan settlement, loan settlement includes normal settlement and early settlement.

Normal settlement: settle the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment);

Early settlement: If the borrower settles the loan in part or in full before the maturity date of the loan, the borrower must apply to the bank in advance according to the loan contract, and the bank will go to the designated accounting counter for repayment after approval.

After the loan is settled, the borrower shall bring back the legal voucher and relevant supporting documents taken by the bank with his valid identity certificate and the loan settlement voucher issued by the bank, and go through the mortgage registration cancellation procedures with the loan settlement voucher to the original mortgage registration department.