1, loan settlement. After the borrower's loan is settled, he shall present the loan settlement notice issued by the bank to the management department and the sub-center to issue the Notice of Cancellation of House Property Right Mortgage in triplicate, one of which shall be kept by the center and the other two shall be handed over to the borrower.

2. Obtain the real estate license. The borrower holds his/her ID card and goes to the central personal loan department and sub-center to get the real estate license and the notice of mortgage cancellation issued by the central personal loan department, sub-center and trading center.

3. Make a clear bet. The borrower shall go through the mortgage cancellation procedures of the mortgaged property with the above procedures at the Municipal Property Rights Exchange Center.

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.