1, the concept is different: after the loan is returned, go through the mortgage formalities and cancel the house mortgage. Cancellation of mortgage means that the owner of the house transfers the mortgaged house and sells it in advance for the benefit of the creditor, and the proceeds are used to repay the creditor's debts.

2. The process is different: write-off is to cancel the contract and agreement of mortgage loan. To cancel the mortgage is to cancel the mortgage loan and the mortgage contract and agreement, and transfer the house again.