本帖最后由 chiau 于 2009-6-24 23:34 编辑 ; K4 Q/ ~& W# T% l/ w5 q * i2 f0 ~# l3 s* F2 s P6 NAfter payoff of my mortgage, what will happen ? and what should I do? 多谢!
Celerbrate ! & j3 Z5 I m* j6 d V4 W5 s/ C B: h
You can get a Home Equity Line of credit(HELOC) if you do have any plan to purchase anything else or a second house.
本帖最后由 甬江 于 2009-6-25 18:50 编辑 ; f. L7 n- M2 z7 i) E: f6 B+ M* T7 j, H d' r& P1 s8 q
The bank will give you a letter. You need this letter to clear your land title. My lawyer did that for me, so I am not exactly sure where he did it, maybe city of Edmonton. BTW, you don't need a lawyer to do it. You can do it yourself.
谢谢4,6,7 楼的回复, 我确实收到了一封银行的信, 信上说“We are pleased to advise the registration of the discharge for the above mentioned HELOC/Mortgage has been forwarded to Land Title for Release of our Interest. Should you wish to obtain an updated copy of title, please contact your local Registry Agent in 3 to 6 weeks." 我还需要去政府的land title office办手续吗?是不是银行已经办完了?
我的理解是:银行已经向land title office发出release interest的文件,land title office收到后会在系统里更新,但政府不会主动寄证书给屋主(但系统已经显示正确)。若屋主想得到那张粉红色的land title证书,还是需要去land title office那里付很少手续费打印出来。6 M; P4 F3 M! j7 v/ V; k8 K6 E/ G
或者是各家银行不同,有的银行可以直接把新证书也代办了寄给屋主?2 k( x. S0 W: _8 C
建议楼主去电自己银行咨询是否会把证书也寄来?或者去电land title office咨询权威的答复。
我的理解是:银行已经向land title office发出release interest的文件,land title office收到后会在系统里更新,但政府不会主动寄证书给屋主(但系统已经显示正确)。若屋主想得到那张粉红色的land title证书,还是 ...# V$ R( I" |, ~3 v. v
web_passenger 发表于 2009-6-25 23:15
5 n) t t, Y' U: R0 e5 @# C' `非常感谢web_passenger 和 海妮妮!祝周末愉快!