Credit deed
Request the document from your bank or download it from your own online banking environment. State the date and file reference. Provide statements, never passwords or access codes.
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YOUR PREPARATION · REAL ESTATE
Specific documents for your meeting. Indicate what is ready, where you need help, and what is not applicable.
Prepare what you already have. A missing document is no reason to postpone your first appointment. We will discuss what we can obtain for you.
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Which documents should I provide?
Bank statement or proof of repayment
Request the document from your bank or download it from your own online banking environment. State the date and file reference. Provide statements, never passwords or access codes.
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Written consent for release if received
Request your bank’s written position. An agreement between partners does not replace this. If you have not yet received an answer, provide the bank and case manager’s details.
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Sale agreement upon sale
Provide the complete version with date, attachments and later amendments. Do you not have this document or do you not know if it exists? Select “Help needed” and discuss it with the office.
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What do we record?
We examine the documents and legal implications. You do not need to work out the arrangement yourself beforehand. We will agree on which missing documents we can request.
A check mark means you have prepared this item. It does not mean that the office has already checked the documents or that your file is complete.
You want to review this together
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More explanation: How do I buy or sell a house?.
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"What concrete arrangements has the other party made to make their promise more than good intentions?"
Your questions, step by step
Has your loan been repaid or are you selling your home? We check whether the mortgage still needs to be cancelled and what is required for this.
Why do I go to the notaire for this?
A repaid loan and a cancelled mortgage are different matters. The civil-law notary requests the bank's consent and arranges the required deed and cancellation.
How do I have a mortgage cancelled?
Provide credit reference, bank details and reason for the cancellation.
The office requests the statement and conditions for release.
After the required consent, the deed and cancellation are followed up.
How does this proceed and how long does it take?
The bank's response and alignment with sale or refinancing determine the schedule. A personal proof of payment does not replace consent for cancellation.
Which documents should I provide to the notaire?
What does the notaire do and investigate?
- Which registration must be cancelled?
- Who must consent to this?
- What statement and conditions does the bank require?
- How are the deed and cancellation followed up?
We agree on which searches the office will conduct and which information you, your bank or another expert will provide.
What should I pay attention to before I sign?
Check which property and which registration are being released and whether the release is complete or partial.
Is a passage still unclear? Feel free to ask for an explanation with an example from your own situation. Only sign when you understand what you are agreeing to.
What else must I arrange afterwards?
Keep the statement. Request confirmation that the intended cancellation has been executed.
Which practical tips can help me?
Also report other credits at the same bank: a security may cover more than the loan you have just repaid.
What do these words mean?
- Cancellation of a mortgage
- the consent to erase a mortgage registration.
- Cancellation
- the formal erasure of that registration.
Where can I find more explanation or help?
You do not have to phrase your question in legal terms. Tell what concerns you, what you want to arrange and if an important date is approaching.
We will look together at the next step. We agree in advance on how the office will assist you and what costs are involved.
Ask your question to the officeMake an AppointmentHow do I buy or sell a house?General explanation for your preparation. The rules and documents that apply to you are determined based on your file.