At present, most banks will return the original real estate license to the lender after issuing the real estate license and stamping the column of setting other rights on the inner page of the real estate license. Some banks voluntarily return the title certificate, and some banks return it at the request of the lender. Cancel the mortgage registration after the loan is paid off. Some banks still keep the original title certificate until the loan is repaid.

It takes the same time to buy a house with a loan and make a title certificate, except for putting one more in the bank. Your title certificate has a column "This house has been mortgaged". After you pay off the bank loan, go to the bank and ask the bank to issue a "loan settlement certificate" and the bank will give it to you. You take the Loan Settlement Certificate and the real estate management bureau to which the property right belongs to cancel the mortgage, and at the same time reissue a real estate license, which is a complete property right house with the words "this house has been mortgaged" on it.