请教一个问题:After payoff of my mortgage...

chiau

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9 n" P. n+ O' J6 K- iAfter payoff of my mortgage, what will happen ? and what should I do？ 多谢！

浪里黑条

不用再付贷款了，房子是你的了。

uil

不用再付贷款了，房子是你的了。
浪里黑条 发表于 2009-6-25 08:19

; g% Y) J  y& d" E0 F/ }) d) ntong yi

海妮妮

Celerbrate !
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( N; ~8 P3 I. W* J  tYou can get a Home Equity Line of credit(HELOC) if you do have any plan to purchase anything else or a second house.

chiau

多谢！

甬江

" A- ?$ c* }* [( v+ y( g+ C; A! {' oThe 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.

web_passenger

拿着银行的信去政府的land title office办手续即可。

chiau

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？

海妮妮

拿着银行的信去政府的land title office办手续即可。
$ Y: V8 _7 Z8 i$ }( xweb_passenger 发表于 2009-6-25 21:08

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去银行直接要求discharge the interest from the title，银行会通过自己的渠道做，你会收到更新后的title。

web_passenger

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。
" O6 E+ @% U1 `+ b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？
$ O. X' T8 T. B- [7 K' x+ \( b8 C! i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。

chiau

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 ...
web_passenger 发表于 2009-6-25 23:15

0 X! x+ g8 R: e/ |非常感谢web_passenger 和 海妮妮！祝周末愉快！

web_passenger

非常感谢web_passenger 和 海妮妮！祝周末愉快！
7 g# a) v4 \0 x0 l8 g& e, Y- Gchiau 发表于 2009-6-25 23:25

6 X! p0 ^: t/ C, c不要忘记庆祝一下哦！
记得肥皂剧everybody loves Raymond里面一集，Raymond的老爹老妈终于把mortgage给付清了，专门开了一个party庆祝，他老爹无比夸张地拿出了银行的贷款文件，用打火机把它给烧了。那份如释重负的心情，大概每个有mortgage的人都有体会吧。

irish

LAND TITLE OFFICE在哪有啊？我们已经付清好久了，什么信也没从银行得到啊？

web_passenger

Land Titles Office in Edmonton:
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10365-97 Street
Edmonton, Alberta, Canada
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7 h, ?7 q: y' `Phone: 780-427-2742
+ \$ q0 D6 z" ?2 {- B8 H7 }1 \/ M0 OFax: 780-422-4290

Hours of operation:
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山羊

Congratulations!!!