With the modern financial system becoming more sophisticated, more and more people are choosing to buy their homes through loans, and the question of how to make better use of already fully owned housing assets once the loans are repaid has become a subject of concern for many. This paper will analyse from several angles what to do when the housing loan is repaid。

What are we going to do when the mortgage is repaid

1. Acquisition of a title certificate

The housing loan process usually requires the purchaser to hand over the title certificate to the bank and take the mortgage, so that when the loan is repaid it must be taken back in time. The title certificate is a legal document of ownership of the house and is also a necessary document for the business of buying and selling the house, inheriting, mortgages, etc., and therefore the taking of the title certificate cannot be overestimated. If the title certificate is in the hands of the bank, it may cause unnecessary trouble for future operations。

2. Home or rental

After the repayment of the housing loan, there are two types of housing and rentals for the better use of the property. If the house is located near the home area, it may be considered as a home and, if not, as a rental. Of course, if housing is already available, the option is to rent it. Rental housing can bring about stable rental income, while maintaining stability and increasing rental credit is very practical。

3. Secured housing

If your personal condition does not permit a home to be occupied or rented, it should be kept and maintained in the presence of an empty house. Regular visits are necessary to prevent theft or damage. At the same time, they may be leased to a professional property management company for the purpose of decoupling, and property personnel are well placed to maintain the house。

Careful choice of asset investment modalities

Would it be better for many people to sell their homes after they have paid off their mortgages and invest in other financial products, such as securities or funds, and make money? However, financial markets are highly volatile, prices are more volatile and investment risks are relatively high. It was also suggested that asset investment should be carefully chosen and that, if sufficient funds were available, it might be advisable to purchase some solid property or fixed-income products such as national debt。