At present, most banks will return the original real estate license to the lender after issuing the real estate license and stamping the column of setting other rights on the inner page of the real estate license. Some banks voluntarily return the title certificate, and some banks return it at the request of the lender. Cancel the mortgage registration after the loan is paid off. Some banks still keep the original title certificate until the loan is repaid. It takes the same time to buy a house with a loan and a one-time payment for the title certificate, but one more is placed in the bank. Your property certificate says "This house has been mortgaged". After you pay off the bank loan, go to the bank and ask the bank to open a "loan settlement certificate", which will be returned to you. You take the Loan Settlement Certificate to the real estate management bureau where the property right belongs to handle the mortgage cancellation and reissue it at the same time.