1. After paying off the loan, you need to go to the bank to apply for the loan settlement certificate, and then get back the mortgage cancellation application form, house property certificate and other materials;

2. The lender shall go through the mortgage cancellation procedures at the original mortgage registration department with valid ID card, certificate of other rights, real estate license, repayment certificate and other materials;

3. The staff will review the information. After the review is passed, the mortgage will be released on the spot and the property right certificate can be retrieved.

After the individual also asks for a loan, he should bring the information given by the bank:

(1) Copy of the business license of the loan bank.

(2) a copy of the legal person.

(3) A copy of the client.

(4) Proof of other rights.

(5) repayment certificate issued by the bank.

(6) Personal information, including ID card and house title certificate (if the house is owned by * * *, you must also carry the house title certificate of the owner of * * *).

According to the provisions of the Civil Code and the Measures for the Administration of Urban Real Estate Mortgage, the following real estates may not be mortgaged or subject to certain restrictions. We need to pay attention to the following questions:

(a) land ownership shall not be mortgaged; There are no buildings, structures and projects under construction on the ground, and the land use right obtained purely by allocation shall not be mortgaged; The land use right of township (town) village enterprises shall not be mortgaged separately.

(2) The right to use collectively-owned land such as cultivated land, homestead, private plots and private hills shall not be mortgaged, except for the right to use barren hills, gullies, hills and beaches contracted according to law and agreed by the employer.

(3) Real estate with disputed ownership and real estate that has been sealed up, detained, supervised or otherwise restricted according to law shall not be mortgaged.

(four) real estate used for education, medical care, municipal and other public welfare undertakings shall not be mortgaged.

(five) buildings listed in the cultural relics protection and other buildings with important commemorative significance shall not be mortgaged.

(six) the real estate that has been included in the scope of demolition according to law shall not be mortgaged.

(seven) enjoy the preferential policies of the state to buy real estate can not be fully mortgaged, the mortgage amount is limited to the share and income that the real estate owner can dispose of.

(eight) illegal buildings or temporary buildings can not be used for mortgage.

(nine) other real estate that may not be mortgaged according to law.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.