1. The following materials are required to handle the formalities of canceling the real estate mortgage:

(1) Mortgagor's identity certificate or legal person qualification certificate;

(2) An application for mortgage registration;

(3) mortgage contract;

(four) the state-owned land use right certificate, house ownership certificate or real estate license, and the house ownership certificate and other co-owners' consent to mortgage must be submitted for the shared house;

(5) Documents and evidential materials that can prove that the mortgagor has the right to establish mortgage;

(6) Information that can prove the value of the mortgaged real estate;

(7) Other documents deemed necessary by the registration authority.

2. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.

Personal loan application shall meet the following conditions:

(a) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Second, what information do you need to apply for a housing loan?

1, a copy of the applicant's ID card and household registration book;

2. The original work certificate with official seal issued by the lender's current work unit. If you are a self-employed person or the person in charge of the company, you need to show a copy of your business license or equity certificate;

3. The original personal income certificate and the salary flow in the last 6 months or the personal flow in the last 6 months;

4, the original personal credit report, the need for good credit, no bad records;

5. Proof of marital status.