1. After the individual housing provident fund loan is paid off, the customer needs to go through the loan settlement formalities at the entrusted bank, then go through the loan settlement certificate and get back the other warrants;

2. Customers also need to bring the loan settlement certificate, other warrants, personal identity cards, house ownership certificates and other materials to the local housing authority to understand the mortgage procedures. After the registration of real estate mortgage is cancelled, the house truly belongs to the customer.

Legal basis: Article 26 of the Regulations on the Administration of Housing Provident Fund.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.