After the house pays off the loan, it means that the house has no loan, the property rights are clear, and you can apply for a mortgage loan.

After the house pays off the loan, it doesn't mean that the house is already a full house. Need to go to the real estate department to decompress the house before applying for a mortgage again.

The loan settlement procedures issued by the personal loan center of the loan bank include power of attorney, approval form, creditor's business license and termination certificate.

You must go through the decompression procedures in person, carry your ID card and go through the settlement procedures.

After the decompression procedure is completed, you can apply for a mortgage loan normally.

Extended data

Mortgage loan processing program

1. The lender prepares the loan procedures and submits the corresponding loan materials to the bank;

2. Handling mortgage, pledge and pledge evaluation reports;

3. Submit the loan application form to the loan bank, sign loan contracts and various agreements, and go through notarization and insurance procedures;

4. Bank approval;

5, the real estate bureau for mortgage registration, for his right certificate;

6. The bank confirms and issues loans.

Baidu encyclopedia-personal housing mortgage loan