本帖最后由 chiau 于 2009-6-24 23:34 编辑 % e( n0 x3 H9 O5 J8 L; J4 A+ G a9 K( E W* o! A0 y# C" ~After payoff of my mortgage, what will happen ? and what should I do? 多谢!
Celerbrate ! & u3 _% f$ F& G 8 J& e) m' Y1 b+ J; T1 o; bYou 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 6 A5 t5 E6 u b! q, K @ : @4 R: _! r5 z0 b* Q$ j3 IThe 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。3 ]' j; a+ X! A' T$ U
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? % _0 {# H: ^0 L/ V' X# v2 {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。
非常感谢web_passenger 和 海妮妮!祝周末愉快!$ w x. j$ l( R
chiau 发表于 2009-6-25 23:25
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不要忘记庆祝一下哦!& K1 Q- ?1 W7 t3 f( @+ U z
记得肥皂剧everybody loves Raymond里面一集,Raymond的老爹老妈终于把mortgage给付清了,专门开了一个party庆祝,他老爹无比夸张地拿出了银行的贷款文件,用打火机把它给烧了。那份如释重负的心情,大概每个有mortgage的人都有体会吧。