1. Handle the mortgage cancellation formalities with the loan bank.

2. Go through the refund formalities of the corresponding insurance premium with the insurance company.

3. Return the deposit to the developer (if any). If you have already applied for the real estate license during the loan period, you only need to bring the cancellation form, other warrants and the bank's ID card to the window of the administrative service center.

If you don't have a real estate license, please take the cancellation form of the bank to the housing management office window for cancellation after the loan is repaid, and then apply for a real estate license. You must bring the following information:

1. Copy of ID card or household registration book, household registration certificate and private seal of the property owner and co-owner.

2. Purchase contract (original).

3. Have a copy of the contract.

4. Purchase invoice and copy.

5. Door license and copy.

In addition, after the bank loan is paid off, you can go to the bank to issue a loan settlement certificate. Different banks have different time limits for receiving settlement certificates. It usually takes about a week, and Minsheng Bank can get it in five working days. It may take ten days and a half months at the latest. There are generally two purposes of bank loan settlement certificate: one is to prove that the loan has been paid off and reduce the personal debt ratio; First, it is used to cancel the loan mortgage. After three working days, the borrower can go to the bank to get the settlement certificate; Within seven to fifteen working days after the commercial loan is paid off, the borrower can go to the bank to get the settlement certificate. When printing the settlement certificate, the borrower should bring his ID card and loan contract. When the bank loan is paid off, the borrower can issue a loan settlement certificate to the relevant bank, and different banks receive the settlement certificate at different times. General banks require borrowers to go to the bank to get the settlement certificate within seven working days after paying off the loan. There are also some banks that require borrowers to get the settlement certificate from the bank within 15 working days after paying off the loan. The borrower can contact the customer service of the relevant bank to inquire about the specific time to receive the settlement certificate, and the borrower should focus on the time specified by the bank. The borrower can go through the mortgage cancellation registration formalities at the local housing authority with the loan settlement certificate, or go through the surrender formalities at the corresponding insurance company with the loan settlement certificate. If the borrower fails to get the loan settlement certificate within the specified time, he needs to ask the bank for the loan settlement certificate. You can only get the settlement certificate after repayment, and the bank is a formal financial unit. There is no case where the intermediary receives the settlement certificate quickly. The borrower still needs to go to the relevant bank and get the settlement certificate according to the formal process. Remind everyone that you can't get the bank settlement certificate immediately after paying off the arrears. Don't believe that the intermediary can help you get it immediately, just to defraud your handling fee.