If you have already applied for a real estate certificate during the loan period, you only need to bring the bank's cancellation form, other rights certificates and ID cards to the window of the Housing Management Office of the Administrative Service Center. If you have not applied for a real estate certificate, after the mortgage is settled, take the cancellation form from the bank to the window of the housing management office to cancel it, and then apply for the real estate certificate. You need to bring the following information:

1. The identity of the property owner and *** Copy of certificate or household registration book, household registration certificate and private seal;

2. House purchase contract (original);

3. Copy of deed;

4. House purchase invoice and copy;

5. House ID and copy;

6. Marriage certificate and copy or certificate of unmarried status.

1. What procedures are required to settle the mortgage loan

1. Print the loan repayment certificate

After the mortgage loan is settled, the borrower first needs to go to the bank. Have the bank print a copy of the loan settlement certificate. Without this loan settlement certificate, the borrower cannot prove that he has paid off the mortgage. In addition, all subsequent procedures require the borrower to provide a loan settlement certificate.

2. Go through the real estate mortgage release procedures

After obtaining the loan settlement certificate, the borrower needs to bring his ID card, loan settlement certificate and other documents to the housing management office for processing Property release procedures. Because only by completing the property release procedures can the property be transferred to your own name and the ownership of the house be changed, and then it will be fully vested in the borrower's name. After the release is completed, you need to apply for a new real estate certificate. For specific operation procedures, you can ask the relevant staff of the Housing Authority.

3. Go through the surrender procedures

After the mortgage release procedures are completed, the borrower finally needs to go to the insurance company to surrender the policy. Because when applying for a mortgage, banks usually handle some related insurance business as guarantee. After the mortgage is repaid, the borrower is required to go through the surrender procedures.

If the borrower pays a deposit and other handling fees to the developer before applying for a mortgage, the deposit can be refunded after the mortgage is repaid.

Second, the steps to pay off the mortgage and obtain the real estate certificate are as follows

1. Bring the house purchase contract, loan contract and repayment record to the bank to issue a certificate that the loan has been paid off.

2. The mortgagor needs to bring the settlement certificate to the housing management bureau at that time to handle the property release procedures and handle the bank release. Some banks require you to make an appointment and go to the lending bank counter.

3. Bring the certificate issued by the bank, the original property ownership certificate, the certificate of other rights to the house, the household registration book and other materials to the real estate transaction department to handle the real estate certificate business

Legal basis

"Urban Real Estate Mortgage Management Measures"

Article 34 If a real estate with a house ownership certificate obtained in accordance with the law is mortgaged, the registration authority shall make other rights on the original "House Ownership Certificate" After recording, the mortgagor will take possession. And issue the "Other Property Rights Certificate" to the mortgagee.

If pre-sale commercial housing or projects under construction are mortgaged, the registration authority shall record it in the mortgage contract. If the mortgaged real estate is completed during the mortgage period, the party concerned shall re-register the real estate mortgage after the mortgagor receives the real estate ownership certificate.

Article 35: When the mortgage contract is changed or the mortgage relationship is terminated, the mortgage party shall go to the original registration authority to change or cancel the mortgage registration within 15 days from the date of change or termination.

If the land use rights and ownership of land buildings and other attachments are obtained due to the legal disposal of mortgaged real estate, the mortgage party shall go to the real estate management department of the local people's government at or above the county level within 30 days from the date of the disposal. The department applies for registration of transfer of house ownership, and applies for registration of change of land use rights with the land management department of the people's government at the same level based on the changed house ownership certificate.