1. After the bank deducts the last month's loan, you can go to the bank to directly apply for the loan settlement certificate. Generally, it is not necessary to make an appointment in advance (some banks will need to make an appointment in advance if repayment is made in advance). You can go directly to the counter for settlement, or you can put the money into the loan account on schedule, and the bank will automatically deduct the money when it expires.

2. After handling, the bank will issue a loan settlement certificate, indicating that the loan has been paid off. When handling, bring your ID card, debit card, loan contract and repayment certificate of last month. When you go to the counter, you'd better ask your account manager when you borrow money, which will speed up the processing.

3. After the loan is settled, take the bank's loan settlement certificate, the certificate of other rights of real estate (some are deposited in the bank, some are in their own hands, if there is no bank to consult), and the original and photocopy of the ID card to the local real estate trading center (now generally concentrated in the local government service center) to go through the mortgage cancellation procedures (in some places, you need to make an appointment and be accompanied by the account manager of the loan bank. If the situation varies from place to place, please consult the local real estate trading center.

If you don't go through the mortgage cancellation procedures, you won't get the real estate license, and the property right of the house is not your own, so you can't go public for trading or disposal. Under normal circumstances, after the loan is settled, the mortgage cancellation procedures can be handled.

4. Take the mortgage cancellation procedure to the loan bank, find the account manager of the loan at that time or go directly to the counter to get the real estate registration certificate.

In addition, it is necessary to remind the borrower that if you are a credit loan or a loan on some banking institution platforms or credit loan platforms, you can directly call customer service to apply for loan settlement, which will generally be handled for you.