September 22nd, 2010 | 
Author: It is understood that when the transactions go through a bank housing mortgage loans, mortgage registration, the Housing Authority will conduct a house mortgage information for the record, the owners did not pay off the loan before the release of mortgage, the house owners to trade against the transfer.
When the owner after the loan is repaid in full, will receive reimbursement of real estate bank card, other rights registration certificate, proof documents Obliteration mortgage information, property owners along all the information you can go to the Housing Authority to conduct mortgage Obliteration registration. Only the completion of the Housing Authority of the mortgage registration of cancellation, the house be considered truly “clean record” in order to carry out the transfer of property rights. So, Mr. Wen was the beginning of the transaction to stop the Housing Authority, is one such reason.
Pay off the mortgage loans should be wiped clean as soon as possible
Yida mortgage, according to the persons concerned that since our country home loan mortgage owner most of the state-owned banks or commercial banks, bank credit high, so even if the owners pay off the mortgage in less than the Housing Authority mortgage registration of cancellation , the risk is minimal. However, the chance of the house changed hands, while the safe side, experts recommend paying off the mortgage loan, best mortgage registration of cancellation or whatever. On the other hand, if the house is mortgaged to private, personal credit is difficult to estimate because it pay off the loan, the owner must bear in mind to go on the mortgage registration of cancellation, or higher risk.
The mortgage experts have reminded the general public, in order to reduce purchase risk, before they buy second-hand housing, better to go to the Housing Authority searches, sure you are buying second-hand house is “clean record” non-exposed room before arrival can be purchased.
Obliteration of a charge without payments, and no time limits
It is this reporter’s knowledge, the present public house mortgage Zhengming to Obliteration, Chu Le, Liwan District, Haizhu District, and the owners may apply to the District Housing Authority Wai, city in the region were the owners of the other districts of Guangzhou City, the Housing Authority should be to handle Jiaoyizhongxin. Also, go through the procedure without payments, and no time limit, so even if the pay off the loan several years ago but have not yet registered mortgage of cancellation, you can also apply for the Housing Authority.
In the process of cancellation charge to prove, the Housing Authority received the relevant documents and information including: real estate his original application for registration of rights, real estate license original copy of the owners identity, proof of the original mortgage, etc. Obliteration. It is understood that the Urban Council in the application, card holders and buyers of real estate mortgage contract be a day of cancellation; in construction and land use right mortgage takes about 3 working days of cancellation, and the District Housing Authority it would take slightly longer to process.
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