I. How to cancel the house ownership certificate after the loan is paid off There are the following points about how to cancel the house ownership certificate after the loan is paid off: 1. Before the loan is paid off, banks generally will not cancel the mortgage, and it is useless to get other warrants back. After the loan is paid off, you need to go to the real estate registration management department to cancel the mortgage record. 2. If the loan is paid for them at one time, you can apply for a new mortgage registration as long as you cancel the bank mortgage registration. If the bank doesn't fully mortgage the house, the residual value of the house can be mortgaged to you. However, the specific procedures need to consult the local property rights registration management department. Article 416 of the Civil Code (10) 6868 The principal creditor's right of chattel mortgage guarantee is the price of mortgaged property. If the mortgage registration is handled within ten days after the delivery of the subject matter, the mortgagee has priority over other secured property owners of the mortgaged property buyer, except the lien holder. Specific introduction: 1. The certificate of other rights refers to the certificate of rights issued by the housing management department and held by the mortgagee after the registration of other rights. The house ownership certificate is a legal certificate issued by the house property registration authority to the mortgagee or the mortgagee and other obligees. 2. The house ownership certificate is the legal certificate issued by the house property registration authority to the mortgagee or the mortgagee and other obligees. The certificate of other rights of the house shall be collected by the holder of other rights. The holder of other rights shall exercise other rights according to law and shall be protected by state laws. 3. Other rights of real estate refer to the rights involved in real estate by other groups or individuals except property owners and owners, usually referring to mortgage, and the certificate of other rights is held by other owners. 4. When purchasing general real estate and choosing mortgage loan, there will be records of other rights on the house ownership certificate, indicating the obligee of other rights, right type (such as pawning right and mortgage right), right scope (housing scope of other rights), right value (rental price of other rights), right term (lease term) and cancellation date (date when other rights disappear). Secondly, the certificate of other rights refers to The so-called other warrants is a term related to land property rights, which is different from what we call warrants. The other right of real estate refers to the rights of other groups or individuals except the property owner and the owner, usually refers to the mortgage, and the certificate of other right is held by the other right holder. When purchasing a general house, when choosing a mortgage loan, there will be a record of his other rights on the house ownership certificate, indicating the owner of his other rights and the type of rights (such as mortgage and pledge). ), the scope of the right (the housing scope of his right), the value of the right (the rental price of his right), the term of the right (the lease term), and the cancellation date (the date when his right disappears). According to Article 52 of the Guarantee Law, mortgage and secured creditor's rights coexist. When the creditor's rights disappear, so does the mortgage right. The real estate is mortgaged, that is, without canceling other warrants, the right to dispose of the real estate is restricted, and legal transactions cannot be conducted without the consent of the mortgagee, and relevant procedures such as property transfer cannot be handled. After the house property is mortgaged, it cannot be released before the repayment is completed.