If the settlement certificate is lost, you need to contact the bank or lending institution to provide it again. Generally, a bank or lending institution can provide a new settlement certificate, but the specific operation may vary by region and institution. Here are possible steps:

1. Contact your bank or lender and explain the missing settlement certificate.

2. Provide relevant personal information and loan information to help banks or lending institutions confirm your identity and loan status.

3. The bank or lending institution will issue a new settlement certificate and mail or email it to you.

4. After receiving the settlement certificate, keep it properly for future needs.

Please note that each bank or lending institution may have slightly different procedures, so it is recommended that you check the institution's policies and procedures before contacting you.