1. Submit the repayment request and corresponding prepayment application to the mortgage bank;

2. According to the agreement with the bank, deposit the funds in the specified time, and the bank will return the money;

3. After the bank completes the loan repayment procedures, it will return the relevant materials for mortgage loan procedures;

4. Go to the Housing Authority to cancel the mortgage with the relevant documents of the mortgage.

Procedures after the mortgage is paid off

When you repay the mortgage, you have to go through the relevant procedures of canceling the mortgage and mortgage. In addition, at the time of loan, if you buy insurance, you have to go to the insurance company to surrender. If you repay the mortgage, you need to go to the bank to get a marriage certificate, and then go to the real estate administration and the insurance company to handle the mortgage cancellation and surrender procedures.

Handling mortgage loan procedures: 1. The simplest case is that the original title certificate has been mortgaged by the bank. In this case, the buyer has paid off the loan, or paid off the loan. If you want to return it, you must contact the bank. The bank will inform the buyer when to go through the relevant formalities. Different banks have different regulations, but usually, banks will ask customers to bring their ID cards, collateral certificates, loan contracts, copies of insurance policies and invoices.

2. The buyer will receive the payment voucher within the specified time, and return the original real estate license, the original sales contract and the original insurance policy to the buyer. So the buyer can buy the house back, which has nothing to do with the bank.

3. However, due to the different business rules of major banks, some branches do not need to leave the original real estate license in the bank, but have to register the mortgage, so that buyers can hold the real estate license with the mortgage registration mark. If so, after the loan is paid off, in addition to repeating the above steps, it is necessary to cancel the mortgage registration.

4. After the customer pays the bank, the bank itself or the lawyer entrusted to handle the mortgage registration will communicate with the real estate authorities and cancel the mortgage registration with the buyer. The regulations of various housing management departments are also different. In addition to the documents listed above, the buyer must also carry the repayment certificate issued by the bank.