You need to go through three steps: 1. Step 1: Go to the bank to apply for the bank loan settlement certificate, and bring the original ID card of the lender, the provident fund loan contract, the bank passbook (in which you have to pay off the money in one lump sum), and the statement of CCB in any period. If you have used the provident fund to handle the mortgage business, you need to provide the power of attorney (in duplicate) for withdrawing the provident fund and returning the housing loan. After these five materials are paid off, the bank will immediately issue a loan settlement certificate. Secondly, in the second step, you take the loan settlement certificate issued by the bank, as well as the secured loan contract, the invoice of the guarantee fee and the original ID card of the borrower to Shanghai Housing Property Guarantee Corporation for mortgage certificate and surrender procedures. (that is, the institutions that you gave you loan guarantees at that time were generally in the real estate trading centers in various districts. By the way, you should make an appointment seven days in advance before you go, because the telephone number in each district is different. You can find the phone number of your residential area on the official website of Shanghai Housing Property Guarantee Corporation, and make an appointment first, because you can't go through the mortgage certificate and surrender formalities on the same day without making an appointment. The last step is to go to the real estate trading center where the house is located and bring the mortgage certificate provided by the guarantee company, the loan settlement certificate issued by CCB and the original ID card to cancel the mortgage, so that your follow-up procedures are completed.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.