本帖最后由 chiau 于 2009-6-24 23:34 编辑 ; K! R/ }( X, n) m Z; ~0 ^, h) H2 B, d2 ~1 h) T6 ?# O3 j
After payoff of my mortgage, what will happen ? and what should I do? 多谢!
Celerbrate ! / F3 D& G! D" i9 G/ I5 f$ M6 X / N# q7 K3 B8 `7 dYou 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 . d3 _1 @# k- R/ z+ f* }6 `: k: o; K ) |# ?' U& J) F! ^# r1 hThe 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。' s! l+ u" f r: G8 `. |5 }& {
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? ! I2 C3 p' g- x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。