How to issue a real estate settlement certificate
During the real estate transaction or loan settlement process,Property settlement certificateIt is a vital document. It proves that the mortgage loan of the property has been paid off in full, the property title is clear, and subsequent transfer or mortgage release procedures can be processed. This article will introduce in detail the issuance process, required materials and precautions for a real estate settlement certificate, and attach a structured data form to help you quickly understand key information.
1. What is a real estate settlement certificate?
A property settlement certificate is a document issued by a lending bank or financial institution to prove that the borrower has repaid the property mortgage loan in full and the bank has released its mortgage on the property. This certificate is a necessary document for handling procedures such as real estate release and transfer.
2. The process of issuing a real estate settlement certificate
1.settle loan: Ensure that all loan principal and interest have been paid off on time.
2.Contact bank: Contact the account manager or mortgage department of the lending bank to apply for a settlement certificate.
3.Submit materials: Provide relevant materials as required by the bank (see the table below for details).
4.Get the certificate: After approval by the bank, you will receive a paper or electronic settlement certificate.
5.Apply for deposit: Go to the real estate registration center with the settlement certificate to go through the mortgage release procedures.
3. List of required materials
| Material name | Remarks |
|---|---|
| Original and copy of ID card | The borrower must provide the application in person |
| Original loan contract | Used to check loan information |
| Repayment voucher | The latest payment record or all settlement receipts |
| Copy of real estate certificate | Some banks require |
| Letter of authorization (if acting as an agent) | Notarization is required, and the agent must bring his or her ID card. |
4. Precautions
1.Time node: The settlement certificate is usually issued within 1-3 working days after the loan is repaid, and some banks support online applications.
2.Limitation of release: After getting the settlement certificate, you need to go through the mortgage release procedures within 30 days. Additional fees may be incurred if it is overdue.
3.cost: Some banks charge a cost of ownership (about 50-100 yuan), and the real estate registration center may also charge fees when releasing the mortgage.
4.Handling in another place: If the loan bank is located in a different location than the property, you need to confirm in advance whether a different stamp or notarization is required.
5. Frequently Asked Questions
Q: Can the settlement certificate be made electronically?
A: Some banks support the electronic version, but you need to check with the local real estate registration center to see if it is recognized when releasing the mortgage.
Q: What should I do if I lose my settlement certificate?
A: Contact the original lending bank for a reissue. You may need to declare it in the newspaper or pay a reissue fee.
Q: How to issue a provident fund loan settlement certificate?
A: The process is similar to that of commercial loans. You need to contact the Provident Fund Management Center or entrust a bank to handle it.
Summary
The property settlement certificate is an integral part of the real estate transaction. By sorting out the process and tabulating the materials list in this article, you can complete the issuance and deposit procedures more efficiently. It is recommended to communicate with the bank and the real estate registration center in advance to ensure that the materials are complete and avoid delays.
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