After the mortgage is paid off, you need to go through the procedures for canceling the mortgage and providing proof of loan settlement. In addition, if you purchased insurance when applying for a loan, you will also need to go to the insurance company to go through the surrender procedures.

1. Loan settlement procedures

After you have paid off your mortgage, the first thing you have to do is the loan settlement procedures, because all subsequent procedures require you to provide loan settlement documents. Proven.

2. Mortgage release procedures

After completing the loan settlement procedures, you need to bring your ID card, loan settlement certificate and other documents to the housing management office to handle the property release procedures, because Only after completing the real estate release procedures can the property be transferred to your name, and you can truly own the house.

3. Insurance Surrender Procedures

When we apply for a mortgage at a bank, we often need to apply for some related insurance business as a guarantee. After the mortgage is repaid, we naturally need to go to The insurance company handles the surrender procedures.

4. Deposit refund procedures

If you buy a house with a loan, you may have to pay a deposit at the developer's office, so after the mortgage is repaid, you need to go to the developer to go through the deposit refund procedures.

How to check whether the mortgage loan has been approved:

1. Telephone inquiry

Whether it is a bank or other lending institution, you can call their customer service. The agency will have specialized personnel to provide you with consulting services. You provide your personal information, and the other party will query based on your information to know the loan progress.

2. Counter inquiry

Friends who have enough time can also bring their ID cards and loan bank cards to the bank counter or the lobby of other lending institutions to inquire and let the work The staff will help you check the loan approval progress. However, this method is more time-consuming, and few people go to the counter to inquire.

3. Contact the account manager

When applying for a loan, there is usually an account manager to negotiate with. Applicants can also directly consult the account manager if they have any questions. If you want to know whether your mortgage loan has been approved or whether it has passed the review, you can find out by contacting the account manager directly.

What to do if the mortgage loan is not approved:

1. Prepare all the materials and then apply to the bank

But if you apply for a mortgage loan from the same bank, Generally, you need to wait for a period of time before applying again.

2. Try changing banks

Banks have different requirements for loan conditions. If you are denied a loan at one bank, you can try another bank again.

3. Find a loan intermediary

You can find a guarantee company to provide guarantee before applying for a loan, which can increase the possibility of obtaining a loan.

4. Find a loan company

Looking for a loan from a loan company will lower the loan threshold and increase the possibility of loan. Contact the account manager

When applying for a loan, there is usually an account manager to negotiate with. Applicants can also directly consult the account manager if they have any questions. If you want to know whether your mortgage loan has been approved or whether it has passed the review, you can find out by contacting the account manager directly.