1. Mortgage cancellation procedure:

You need to bring the real estate license to the bank to issue a settlement certificate, and bring the original real estate license, the original other ownership certificate, identity certificate and other documents to the local housing construction Committee for mortgage cancellation.

When handling the mortgage cancellation procedures, it is also necessary to provide the mortgage cancellation certificate.

2. Surrender procedure:

If you buy relevant insurance during the loan period, the insurance contract will be terminated after the loan is paid off, and you need to go to the insurance company for surrender procedures.

Prepare ID card, insurance policy, surrender application, insurance premium invoice and other documents.

3. Tax refund procedures:

Within half a year after the loan is paid off, you can go to the local tax department for tax refund.

When handling the tax refund, you need to bring your personal ID card, real estate license and other documents.

4. Other procedures that may be required:

If you buy a house through a developer, you may need to go to the developer to refund the deposit.

If the loan is made through a guarantee institution, you may need to go to the guarantee institution for surrender.

After paying off the mortgage, it usually takes about 7 to 10 working days to go through the mortgage cancellation procedures and the property can be transferred. After completing the mortgage cancellation procedures, you can take the relevant materials to the Housing Authority for transfer, which takes about 30 working days. The specific time required may vary depending on the efficiency of regional and local housing management bureaus. When handling the transfer, the materials that need to be prepared are the original ID card, the original household registration book, and the property ownership certificate of the owner and the owner. If you can't do it yourself, you can entrust someone else to do it for you.

To sum up, after the mortgage is paid off, it is necessary to handle the loan settlement certificate, the cancellation procedures of the real estate mortgage and the surrender procedures. The procedures for these procedures may vary from region to region and from institution to institution. It is recommended to consult relevant departments or institutions in advance to understand the specific handling procedures and required materials.

Legal basis:

Measures for the administration of individual housing loans

Article 35

If the borrower is under any of the following circumstances, the lender shall investigate the borrower's liability for breach of contract according to the relevant provisions of the General Rules for Loans of the People's Bank of China:

1. The borrower fails to repay the loan principal and interest on schedule;

Two, the borrower provides false documents or information, which has caused or may cause loan losses;

3. Without the consent of the lender, the borrower dismantles, sells, transfers, donates or repeatedly mortgages or pledges the property or rights and interests;

4. The borrower arbitrarily changes the purpose of the loan and misappropriates the loan;

Five, the borrower refuses or obstructs the lender to supervise and inspect the use of the loan;

Six, the borrower and other legal persons or economic organizations signed a contract or agreement that is detrimental to the rights and interests of the lender;

Seven. The guarantor violates the guarantee contract or loses the ability to bear joint and several liabilities, the collateral is not enough to pay off the principal and interest of the loan due to accidental damage, and the pledge is obviously reduced, which affects the lender's realization of the pledge right, while the borrower fails to implement the new guarantee or new mortgage (pledge) as required.