Have complete property rights. The borrower should bring the real estate license, settlement certificate and other rights certificate mortgaged in the bank to the office of the District Housing Construction Committee to understand the mortgage situation. In this way, your own property can be completely your own property.

Property buyers can bring the property ownership certificate (original), the certificate of other rights (original), the party's identity certificate (original and photocopy 1), the mortgage registration cancellation certificate (original) issued by the mortgagee, the mortgage registration application form and other materials to the corresponding window of the Housing Authority for handling.

2. Go through the surrender procedures.

After the borrower repaid all the loans in advance, the original individual housing loan contract of Jiabao was also terminated in advance. According to the relevant regulations, the borrower can bring the original insurance policy and proof of paying off the loan in advance, and return the premium paid in advance to the insurance company on a monthly basis.

3. Go through the formalities of tax refund

When purchasing a commercial house, all the family members who can get tax refund should be written into the purchase contract as the property owners, and after signing the contract and paying the house price, they should apply for "deducting the personal income tax paid by the buyer" and obtain their "general tax payment book". After repaying all the housing loans in advance, you can obtain the certificate of immovable property rights, and go to the tax department for tax refund within 6 months after handling the certificate of immovable property rights.