Legal analysis: According to relevant laws and regulations, the loan has been paid off, and the obligee should apply for cancellation of mortgage registration. Mortgage registration was established for the property at the time of loan, and the debtor cannot dispose of the mortgaged property if the mortgage registration was not completed after the loan was paid off. The obligee can go to the local housing management office to check the files first, and after finding the creditor, contact the creditor to retrieve his other items and ask him to remove the collateral materials.

Legal basis: Measures for the Registration of Houses

Article 48 If the legally registered mortgage of a house is under any of the following circumstances, the obligee shall apply for cancellation of mortgage registration: (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 stipulated by laws and regulations.

Article 49 To apply for cancellation of mortgage registration, the following materials shall be submitted: (1) an application for registration; (2) the identity certificate of the applicant; (3) Certificate of ownership of the house; (four) materials to prove the destruction of housing mortgages; (5) Other necessary materials.