Go to the relevant outlets of the rural commercial bank (it should be on the second floor of Renmin East Road Business Department) to make prepayment, and then put the money into the withholding account. If it is a pure provident fund loan, make an appointment with the guarantee center after paying off, and then exchange the information of mortgage cancellation at the guarantee center according to the time reserved by the guarantee center with the settlement voucher of the rural commercial bank, and go through the formalities of mortgage cancellation at the real estate trading center.