There is a certificate for the house to be delivered.
 The first is to settle the loan with the bank, which will issue the settlement certificate, and then provide the corresponding release information and power of attorney.
 The house property certificate does not need to be signed personally. You can take the certificate of repayment of the loan and the certificate of other rights to the bank to cancel the mortgage.
 In the sale of second-hand houses, it is most necessary to be reminded of the buyers. If they are deceived in buying commercial houses, at least they are wronged and have a debt owner. After they are deceived in buying second-hand public houses, the difficulty of recourse and compensation is much higher.
 1. To remove the mortgage is to go through the formalities of canceling the mortgage of other rights in the property certificate at the Housing Authority and get the property certificate back. After the mortgage loan is repaid, the commercial loan house will go to the trading hall to handle the mortgage cancellation formalities with the loan settlement certificate (A4 paper) and the Certificate of Other Real Estate Rights issued by the bank, without any cost.
 2. In addition, the owner of the house with mortgage loan has obtained the property certificate, and should also take the property certificate to the Housing Administration Bureau to handle the mortgage cancellation procedures. As for the use of provident fund loans, they should go to the trading hall to handle the mortgage cancellation procedures after the repayment is completed and the provident fund center has issued the certificate of payment completion.
 3. In addition, if the borrower repays the loan in advance, he or she can also refund part of the insurance premium from the insurance company. Generally, when dealing with mortgage loans, you have to pay the insurance premium for as many years as you want. If you repay the loan in advance, for example, 20 years of the loan, and pay it off just after 5 years, you will have to refund the insurance premium for the remaining 15 years.
 Legal basis
 Article 36 of the Law of the People's Republic of China on the Administration of Urban Real Estate, the parties concerned shall handle the ownership registration of the transfer and mortgage of real estate in accordance with the provisions of Chapter V of this Law.