Legal analysis: after paying off all the loan principal and interest, you can go to the lending institution to apply for the house ownership certificate and the loan settlement certificate. When the county real estate trading center where the real estate is located cancels the mortgage cancellation business, it is necessary to fill in the mortgage cancellation application form, provide the loan settlement certificate provided by the lending institution to the borrower, and the property ownership certificate, house ownership certificate or mortgage certificate that I need to provide, and go through the mortgage cancellation formalities at the real estate bureau. It is stipulated to be completed within 10 days.

Legal basis: Article 23 of the Measures for Housing Registration: From the date of accepting the application for registration, the housing registration agency shall record the application for registration in the housing register or make a decision not to register it within the following time limits: (1) 30 working days for housing ownership registration within state-owned land and 60 working days for housing ownership registration within collective land; (2) 65,438+00 working days for mortgage and easement registration; (3) advance notice registration. The announcement time shall not be counted within the time limit specified in the preceding paragraph. If it is necessary to extend the registration period for special reasons, it may be extended with the approval of the person in charge of the housing registration agency, but the longest period shall not exceed twice the original period. Where laws and regulations provide otherwise for the registration period, such provisions shall prevail.