For the inheritance of mortgaged real estate, the heir shall issue a death certificate to the neighborhood committee, a death certificate to the police station, and notarize the right of inheritance to the district or municipal notary office. After paying off all the bank loans, he shall go to the housing management trading center to cancel the mortgage registration with the property right certificate and other warrants. After cancellation, the real estate license can be renamed and transferred, and the borrower can be changed if the loan continues.

legal ground

Article 14 of the Detailed Rules for the Implementation of the Provisional Regulations on the Registration of Real Estate

Where a party applies for the registration of real estate acquired by inheritance or bequest, it shall submit the death certificate, will or the agreement of all legal heirs on the distribution of real estate and the kinship with the decedent. , you can also submit notarized materials or valid legal documents.

Article 53 of the General Principles of Loans

The lender shall require the borrower who transfers the property right with compensation or applies for dissolution to pay off the loan debt before the property right transfer or dissolution.