The process for early repayment of a housing mortgage loan is as follows:

1. First, the loan needs to be settled. After the borrower has settled the mortgage loan, he will go to the bank with the loan settlement notice issued by the bank. The Provident Fund Center issues the "Notice on Lifting the Property Mortgage of the House";

2. The second step is to receive the certificate of other rights. The borrower will go to the Provident Fund Center with his valid ID card and the mortgage release procedures to receive the certificate of other rights of the house. Notice of mortgage release;

3. Finally, the mortgage release procedures need to be completed. The borrower takes the relevant information to the original mortgage registration department to handle the property release procedures. The specific information is as follows:

( 1) Valid ID card;

(2) Certificate of other rights;

(3) Real estate certificate;

(4) Proof of repayment, etc.

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4. Banks generally require borrowers to submit written or telephone applications 15 working days in advance. Banks must review and approve the borrower's application for early repayment of mortgage loans. After settlement, the bank will issue a settlement certificate and return other rights certificates. To decompress, you only need to go to the local construction committee to apply. When there are many people, you need to queue up.

Legal basis: Article 32 of the "City Real Estate Management Law of the People's Republic of China"

When real estate is transferred or mortgaged, the ownership of the house and the occupation range of the house The land use rights are transferred and mortgaged at the same time.

Article 33

The benchmark land price, demarcated land price and replacement price of various types of houses shall be determined and announced regularly. Specific measures shall be prescribed by the State Council.

Article 34

The state implements a real estate price assessment system.

Real estate price evaluation should follow the principles of justice, fairness and openness, follow the technical standards and evaluation procedures prescribed by the state, and be based on the benchmark land price, demarcated land price and replacement price of various types of houses, with reference to local The market price is evaluated.

Article 35

The state implements a real estate transaction price reporting system.

When a real estate owner transfers real estate, he must truthfully declare the transaction price to the department specified by the local people's government at or above the county level, and shall not conceal or make false declarations.