Legal analysis: You can apply for replacement. The mortgage settlement certificate refers to the certificate issued by the borrower after paying off all the principal and interest of the mortgage and settling the mortgage at the bank. If you accidentally lose this certificate, you can go to the bank to reissue it. What you usually need to know is the mortgage settlement certificate, that is, the title certificate belongs entirely to the borrower, so if the mortgage settlement certificate is lost, it still needs to be reissued.

Legal basis: Article 2 17 of the Civil Code of People's Republic of China (PRC) stipulates that the obligee enjoys the real right of immovable property. The items recorded in the certificate of real estate ownership shall be consistent with the real estate register; If the records are inconsistent, unless there is evidence to prove that the real estate register is indeed wrong, the real estate register shall prevail.

Article 18 of the Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Real Estate mainly includes: (1) the name of the owner of the real estate to be registered; (2) The location, area, use and right type of the real estate to be registered; (three) the time limit, the way and the accepting institution of the objection; (four) other matters that need to be announced.