本帖最后由 chiau 于 2009-6-24 23:34 编辑 8 F) E' Q( K/ M" q" N9 z3 N( u$ S+ |# K/ N/ D! D5 T
After payoff of my mortgage, what will happen ? and what should I do? 多谢!
Celerbrate ! 5 O- v, K, ~$ y3 u! C3 s % ~+ @& R1 \* C1 b0 ^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 0 N' Q5 m" p+ h2 V% x- V8 ], R j8 f) i. ~7 a7 ^3 e7 e0 U
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。 # _! I9 B' S: E" y6 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? 6 C, g4 Q: H0 g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。