本帖最后由 chiau 于 2009-6-24 23:34 编辑 0 h# [: H1 G4 _5 s( l4 p
8 c, o* ?0 U* u, h* m/ A
After payoff of my mortgage, what will happen ? and what should I do? 多谢!
Celerbrate ! 7 @/ Z- \- K- Q% j
- f" p9 k6 X0 R0 P8 l' s
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 . m' \. ^* }- i: c T; n* K; P
! X$ N9 g3 i6 t* l) O4 C$ A' C% B; `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。# e8 g5 x0 [3 W; d$ I" x
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? 9 j! A3 ~/ W. r0 A1 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。