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 the house ownership certificate. Because the mortgagor provides the mortgagee with the debt performance guarantee without transferring possession, the real estate is still owned by the mortgagor;

2. The bank shall affix the official seal on the other warrants, indicating the cancellation opinions, and agree to cancel the mortgage if the loan has been requested;

3. 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;

4. If there are multiple names on the title certificate:

(1) At least one property owner must be present;

(2) The original ID cards of other property owners can also be handled if they are brought together;

(3) If there is a minor's name, the guardian must bring a certificate to prove the identity of the guardian.

Materials to be carried after paying off the mortgage:

1. Copy of ID card or household registration book, household registration certificate and private seal of the property owner and * * * *;

2. Purchase contract;

3. Have a copy of the contract;

4. Purchase invoices and copies;

5. Door license and copy;

6. Marriage certificate and photocopy or unmarried certificate.

To sum up, after the mortgage is paid off, it is still necessary to go through the formalities at the bank where the loan has been paid off and get the house ownership certificate. Because the mortgagor provides the mortgagee with the debt performance guarantee in the way of not transferring possession, the house property is still owned by the mortgagor. The bank shall affix its official seal to the other warrants, indicating the cancellation opinions, such as inviting loans and agreeing to cancel mortgages.

Legal basis:

Sixty-second "People's Republic of China (PRC) City Real Estate Management Law"

When real estate is mortgaged, the mortgage registration shall be handled at the department designated by the local people's government at or above the county level.

Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.

Article 63

The local people's governments at or above the county level, which are determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government and have a unified department responsible for real estate management and land management, may make and issue unified real estate ownership certificates, and record the confirmation and change of house ownership and land use rights within the scope of house occupation in the real estate ownership certificates respectively in accordance with the provisions of Article 61 of this Law.