The mortgage cancellation of housing loan requires the property owner to go through the mortgage cancellation registration formalities with the original real estate license, other warrants and ID cards at the mortgage department of the real estate department of the Housing Authority. If there is more than one name on the property right certificate, at least one property owner must be present, and the original ID cards of other property owners can also be handled. If there is a minor's name, the guardian must bring a certificate to prove the identity of the guardian.

After the house loan is paid off, you need to go through the formalities at the bank where the loan is located and get his property right certificate. The bank will stamp the official seal on the other party's property right certificate and write down the cancellation opinions, such as: the loan has been requested and you agree to cancel the mortgage.

Extended data:

"Measures for the Administration of Individual Housing Loans" Article 18 The borrower must properly keep the mortgaged property during the mortgage period, be responsible for repairing, maintaining and ensuring its integrity, and accept the supervision and inspection of the lender at any time. Before the expiration of the mortgage period, the lender shall not dispose of the mortgaged property without authorization.

Article 19 During the mortgage period, the mortgagor shall not mortgage, lease, transfer, sell or give away the collateral again without the consent of the lender.

People's Network-What procedures do I need to go through after the house loan is paid off in advance?