After the housing loan is paid off, the following procedures must be handled:

(1) You must go to the loan bank to cancel the mortgage.

(2) The refund of the corresponding insurance premium also needs to be handled by the insurance company.

(3) Finally, because some people paid a deposit to the developer when buying a house, don't forget to ask the developer to refund the deposit after repaying the mortgage.

2. Legal basis: Article 14 of the Provisional Regulations on the Registration of Real Estate shall be jointly applied by both parties if they apply for the registration of real estate due to sale or mortgage. In any of the following circumstances, the parties may apply unilaterally:

(1) The unregistered real estate applies for registration for the first time.

(2) the right to acquire immovable property by inheriting or accepting bequests.

(3) The legal document or the decision of the people's government that comes into effect by the people's court or the arbitration commission establishes, changes, transfers or extinguishes the right to immovable property.

Second, how long will it take to get his right certificate after paying off the loan?

You need to go through the customs formalities, which will take about 3 working days. Other warrants are not mortgaged in the bank, but the bank is keeping other warrants, because the certificate is the proof that the bank has the priority to be compensated for the property. Under normal circumstances, after the mortgage is paid off, his certificate will be returned within three working days, and then he can go to the Construction Committee to cancel the mortgage and put it on record.