1. You can bring your ID card, contract, bank card or cash before decompression. Some banks need to make an appointment and return other certificates, power of attorney, settlement certificate and other materials within a few working days after acceptance.

2. Then the borrower takes these materials to the local housing authority to find out.

3. After decompression, the borrower can get the house book. At this time, you can pay attention to the mortgage records on the house, including the amount and duration of the mortgage, and the bank keeps the other warrants printed by the local housing authority.

4. After the loan is settled, the general bank will return the borrower's other warrants, and then take them to the Housing Authority to understand the mortgage situation. After printing the mortgage record, the date of canceling the mortgage will be 100% owned by the borrower, and the loan can be sold or mortgaged again.

Materials to be prepared for housing loan business:

1. Provident fund loan: proof of the identity and marriage relationship of the lender, spouse and borrower; Borrower's (husband and wife's) bank card; Purchase contract or agreement.

2. Portfolio loan: the identity certificate and marriage certificate of the lender, spouse and borrower; Borrower's (husband and wife's) bank card; Proof of professional income of the borrower and the same borrower; Purchase contract or agreement.

3. Commercial loans: proof of identity and marriage relationship of the lender, spouse and borrower; Proof of professional income of the borrower and the same borrower; Purchase contract or agreement.

legal ground

Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Real Estate

Article 70 Under any of the following circumstances, the parties may apply for cancellation of mortgage registration with real estate registration certificate, mortgage cancellation materials and other necessary materials:

(1) The principal creditor's rights are extinguished.

(2) The mortgage right has been realized;

(3) The mortgagee waives the mortgage right;

(4) Other circumstances in which the mortgage right is extinguished as stipulated by laws and administrative regulations.

Article 77 Where the housing mortgages under construction is changed, transferred or destroyed, the parties concerned shall submit the following materials when applying for registration of change, transfer or cancellation:

(1) Real estate registration certificate;

(two) materials changed, transferred or destroyed in housing mortgages under construction;

(3) Other necessary materials.

When the house under construction is completed and the ownership of the house is registered for the first time, the parties concerned shall apply for changing the mortgage registration of the house under construction into the mortgage registration of the house.