本帖最后由 chiau 于 2009-6-24 23:34 编辑 3 a- A! o1 P5 |! W0 S: ?5 W* k3 n7 c/ X9 a: j
After payoff of my mortgage, what will happen ? and what should I do? 多谢!
Celerbrate ! + E& [ \5 O' Q
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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.
9 ?1 m& |; ^& j5 IThe 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。/ h, f" E r, g6 V
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? ' x3 k e6 Z, q5 l/ u) U- t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。