请教一个问题:After payoff of my mortgage...

chiau

After 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。
* j2 q6 G0 O& G4 r浪里黑条 发表于 2009-6-25 08:19

  j1 @& m6 m1 ^1 ?tong yi

海妮妮

Celerbrate !

You 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

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.

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。
1 d; \, [$ a* F6 Iweb_passenger 发表于 2009-6-25 21:08

' [: C3 S; b4 U7 p: C$ {
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。
7 b9 m' |0 F9 Q  Y! F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？
$ |! C. x5 ]: 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。

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 ...
+ z: V, X5 s* h7 S3 S- z+ qweb_passenger 发表于 2009-6-25 23:15

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！
; G6 ^7 z, @# p& m6 S' ?; N1 hchiau 发表于 2009-6-25 23:25

不要忘记庆祝一下哦！
( q6 T4 R- D# c+ u# N9 ^0 g1 |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:
4 o% O& F* T9 w/ ~( |, j% ]2 q, X, i
John E. Brownlee Building
7 C8 z1 N5 ]/ t( G3 m2 E10365-97 Street
9 U' r6 p, e& d) WEdmonton, Alberta, Canada
) E4 v1 [  X0 Q+ i5 w$ l. ST5J 3W7
2 u/ c. [' y+ S
Phone: 780-427-2742
7 C5 Y# ~8 ]4 E" w2 v1 sFax: 780-422-4290

0 x+ D* z8 J9 b; z. A, mHours of operation:
, B) `! F& c5 a# z0 j# m0 i( q8:15 a.m. - 4:00 p.m. Monday to Friday

山羊

Congratulations!!!