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我已经提前还清了银行贷款啊,可以撤消担保公司的房产证抵押吗？

我已经提前还清了银行贷款啊,可以撤消担保公司的房产证抵押吗？

浏览：56次 | 提问时间： 07-21 09:04

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4个答案

梦旅人 07-21 09:04

可以的，房贷未还清要卖房的，需要先将剩余的银行贷款还清，撤销他项权证的抵押后，拿着房产证同买方一起去当地房管局办理房产过户就可以的。现在国家撤消了限购令，只要个人经济实力允许，可以再次购买个人的二套房的。

心乱如麻 07-21 09:13

不能抵押。公积金贷款买的房子，在办理购房贷款时已经抵押给了公积金管理中心。然后由住房担保公司向公积金管理中心提供担保（叫“反担保”），当贷款人不能按时还款时，担保公司按担保合同的约定、向公积金管理中心履行担保责任。房产证的抵押有两种形式：一是直接将产证抵押给银行；二是房子产权已抵押，房产证在购房人手中，但产证后面的签注栏内注明了“该房产已设定抵押“字样，并在当地的房地产交易中心登记备案。当你用房产证作抵押想再次贷款时，贷款银行（金融机构）将要审核该房子是否抵押、产权是否清晰、有无权益纠纷等。所以，贷款买的房子，在贷款没有还清、抵押未撤销之前，不能做抵押贷款。

姑娘我为你退了游戏哦 07-21 09:21

可以的。虽然你的贷款没有还清，但是开发商已经拿到全部的房款了，产权已经归你，只不过你拿这个产权做抵押从银行借了钱而已。没有还清贷款的，房管局的档案里会有记录，你的房产证上备注栏也会有注明。现在大多数银行会要求你去房管局做一个标明抵押事项的《他项权利证》，把这个《他项权利证》放在银行，房产证给你。什么时候贷款还清了，带着银行的证明去房管局做变更就是，同时撤销《他项权利证》。

云歌儿 07-21 09:29

公积金贷款房产证要抵押到银行。公积金贷款买房，房产证作为抵押物，需贷款还清后才能领取。经担保中心担保的公积金贷款，借款人不需要到房管局领取房产证，由担保中心代领房产证。此后，由产权人本人带身份证原件前往担保中心领取。若产权人为两人或两人以上，需全部产权人本人带身份证前往担保中心领取，若不是同时到场，可分别领取。银行贷款，那么担保中心就是银行，房产证就要抵押到银行。

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我已经提前还清了银行贷款啊,可以撤消担保公司的房产证抵押吗？

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我已经提前还清了银行贷款啊,可以撤消担保公司的房产证抵押吗？