1. 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 his property right certificate and write down the cancellation opinions, such as: the loan has been invited and you agree to cancel the mortgage;

2. Then, the property owner himself carries the real estate license, other warrants and the original ID card to the mortgage department of the local property housing security and real estate administration for mortgage cancellation registration;

3. 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 the guardian's identity certificate to the scene for handling.

Extended data:

Because the mortgage lender who needs to repay the loan in advance needs to carefully check the request for repayment in advance and then review it, and the application also takes some time.

If the lender wants to repay the loan in advance, under normal circumstances, he should take good care of his ID card and loan contract to the bank after making a phone call or making a written request. As a trustee, he should take good care of the real estate license, settle other debt documents confirming the pledge at the bank, and personally go to the district construction committees to understand the pledge situation. What is not taken seriously is that if the diners don't have a one-time knot.

The original policy and invoice can be booked by calling the relevant security companies. If it is a depositor and the owner who handles the mortgage refinancing business, it is best to find an amateur guarantee service agency to do notarization, so as to avoid the situation that the depositor does not buy or the depositor reviews the formalities after the owner repays in advance.

References:

Mortgage loan-Baidu encyclopedia