本帖最后由 chiau 于 2009-6-24 23:34 编辑 " x0 b: W5 ~ M, D' G8 K8 b. Q! V4 U9 p& n4 q; W9 o/ v
After payoff of my mortgage, what will happen ? and what should I do? 多谢!
Celerbrate ! ( j; p1 k8 ?1 N" S* w6 m" V 7 w3 H( M6 o2 o' f: B: xYou can get a Home Equity Line of credit(HELOC) if you do have any plan to purchase anything else or a second house.
0 V8 _1 Z' S2 g% G* B1 lThe 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。 : a8 ~( b) F+ {# w5 H g1 P( ]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?# Z- M. p% n, A$ d3 l$ c4 Q, r
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。