Whether to open a certificate after the loan is completed depends on the specific situation. If you don't want to handle bank credit business, you can pay off the loan without issuing a certificate. If you apply for a loan in a bank, especially a mortgage, you must issue a loan settlement certificate after the loan is paid off and submit it to the bank before accepting the mortgage application.

Under normal circumstances, the user does not need to issue a loan settlement certificate after settling the borrowed loan. Once the user settles the borrowed loan, Alipay loan system will automatically prompt the user. If users need to borrow money in the future, they just need to re-open the loan. After the user settles the loan, if there are other loan needs, especially bank loans, it is necessary to issue a settlement certificate after the loan is paid off. Users who have borrowed money from the bank and have loan records will only accept their loan applications if they submit settlement certificates to the bank.

If you borrow the settlement certificate within 2 years, you can open it yourself. Path: Alipay-my-borrow my-settlement voucher, and follow the prompts; If the certificate was issued two years ago, you need to contact the manual customer service to issue it.