1. After the house loan is paid off, you need to go through the formalities at the bank where the loan is located and get his property right certificate. The bank will stamp the official seal on his property right certificate, indicating the cancellation opinions, such as: the loan has been invited, and you agree to cancel the mortgage;

2. Then, the property owner holds the original real estate license, other warrants and ID cards to the mortgage department of the local property housing security and real estate administration for mortgage cancellation registration;

3. If there is more than one name on the property right certificate, at least one property owner must be present, and the original ID cards of other property owners can also be handled. If there is a minor's name, the guardian must bring a certificate to prove the identity of the guardian.

Personal housing mortgage loan procedures are as follows:

1. The lender entrusts the Company to handle the loan procedures and submit the corresponding materials required for the loan;

2. Handling mortgage, pledge and pledge evaluation reports;

3. Submit the loan application form to the loan bank, sign loan contracts and various agreements, and go through notarization and insurance procedures;

4. Bank approval;

5, the real estate bureau for mortgage registration, for his right certificate;

6. The bank confirms and issues loans.

Legal basis: Article 408 of the Civil Code of People's Republic of China (PRC).

If the mortgagor's behavior is enough to reduce the value of the mortgaged property, the mortgagee has the right to ask the mortgagor to stop his behavior; If the value of the collateral decreases, the mortgagee has the right to demand the restoration of the value of the collateral or provide a guarantee corresponding to the decreased value. If the mortgagor fails to restore the value of the collateral or provide guarantee, the mortgagee has the right to demand the debtor to pay off the debt in advance.