1. After paying off the house purchase loan, the borrower first needs to obtain the sealed loan settlement certificate from the loan bank, and then issue the Notice of Release of House Mortgage to the management center. The sub-center will issue the Notice of Release of House Mortgage in triplicate, one for the center and two for the borrower.

2. Then get the real estate license. Need to go to the bank loan center to get the "Property Ownership Certificate" and the "Notice of Cancellation of Charge";

3. Finally, the borrower can go to the Housing Authority to cancel the mortgage with all the information.

First, how long can the mortgage be released after the house has repaid the loan?

The mortgage can be cancelled within one to two weeks after the house pays off the loan. After the house has paid off the loan, it will take some time to cancel the mortgage, and the lender needs to go through the relevant formalities at the bank and the municipal property rights exchange center with relevant certificates. The process is troublesome, but every link is handled quickly.

2. After the mortgage is paid off, can I not go?

1. After paying off the mortgage, if the customer has no time, he can entrust others to handle it without doing it himself.

2. The customer only needs to find his relatives and friends to issue a power of attorney at the notary office, and then give his ID card, real estate license, other warrants and loan settlement certificate to the other party, and then let the other party take the materials and my ID card to the local housing authority to understand the mortgage procedures.

3. Customers can also wait until they have time, and then learn about the mortgage in person. After all, there is generally no time limit for canceling the mortgage (however, it is best to cancel the mortgage registration as soon as possible after paying off the mortgage, so as to avoid the loss of some materials for too long and affect the procedures for canceling the mortgage).

3. Can the mortgaged house be directly transferred without releasing the mortgage?

Buying a house is generally a loan from a bank, and the bank will ask for a mortgage on the property. In other words, when you pay off the bank's money, the bank can cancel the mortgage, and the property can also be listed for sale. After the implementation of the Civil Code, the mortgagor may transfer the mortgaged property during the mortgage period. Unless otherwise agreed by the parties, if the mortgaged property is transferred, the mortgage right will not be affected.

Fourth, what should I pay attention to when decompressing real estate?

1, property decompression is generally handled by the Housing Authority. You need to prepare the certificate issued by the bank to pay off the loan and relevant materials, and then go to the trading hall to handle it. Note that there is no need to spend any money here.

2. If the owner who has mortgaged the loan has obtained the real estate license, he must also go through the mortgage cancellation formalities with the real estate license to the Housing Authority. As for the provident fund loan, he must go to the provident fund center to get the loan repayment certificate after the loan is over, and finally go to the trading hall to cancel the mortgage.

3. If the borrower wants to repay the loan in advance, he can refund a small amount of insurance money to the insurance company first, and generally pay the insurance premium according to the loan year when handling the loan again. If the loan is repaid in advance, like a loan for 20 years, it will be paid off in only 5 years, then the insurance premium for the next 15 years will be paid off.

Legal basis: Article 557 of the Civil Code of People's Republic of China (PRC)? Creditor's rights and debts shall be terminated under any of the following circumstances:

(a) The debt has been fulfilled.

(2) The debts offset each other;

(3) The debtor deposits the subject matter according to law.

(4) Creditors are exempted from debts;

(5) Creditor's rights and debts are owned by one person;

(six) other circumstances stipulated by law or agreed by the parties to terminate.

If the contract is terminated, the rights and obligations of the contract shall be terminated accordingly.