本帖最后由 chiau 于 2009-6-24 23:34 编辑 ; b$ l0 c" K+ b/ q6 z3 `/ V! O0 i$ ]8 c8 C1 ~
After payoff of my mortgage, what will happen ? and what should I do? 多谢!
Celerbrate ! & [5 \9 z& p( d9 u8 d' V# @$ H / q0 C1 R7 l: [6 OYou can get a Home Equity Line of credit(HELOC) if you do have any plan to purchase anything else or a second house.
- a' Y- w9 X/ ^8 ?4 O) CThe 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 A, v* H. O. Q9 D2 `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 y3 Z* U" _& H g( v
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。
Land Titles Office in Edmonton:7 K/ H# ]) A0 s2 A1 `
$ {2 N, ?$ z) ^) L( u, s$ R' uJohn E. Brownlee Building ; r/ E3 G4 G4 ]' B9 {9 J
10365-97 Street 8 X* E0 Z; ]* g G% ?1 e, z" `Edmonton, Alberta, Canada # b* Z. a& N' I6 r7 HT5J 3W7 " b4 X6 d2 w9 E9 i5 b ' L z/ ~( q2 u, A/ q6 CPhone: 780-427-2742 - E0 Y. F* D: I# R9 D& E8 gFax: 780-422-4290! S. Z. Q/ u6 o, D
, p5 B" q( j$ f8 ^2 b# AHours of operation:% Y, r3 O/ U6 N* ]
8:15 a.m. - 4:00 p.m. Monday to Friday