本帖最后由 chiau 于 2009-6-24 23:34 编辑 # p) F2 c' V( d5 R H0 D2 @! r8 ^8 @$ v* c0 y
After payoff of my mortgage, what will happen ? and what should I do? 多谢!
Celerbrate ! & g. L' ]9 j/ @6 L* r" q* V" y
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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 + x/ W+ ?' E" K% N" R
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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。 8 |8 `" ~: \% f. q7 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?2 g v9 }* F0 f* D6 u) F4 j
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。