What is the Mortgage Insurance Letter? Mortgage fek letter is an official document prepared by the bank that allows the cancellation of the mortgage on the title deed. After paying all of your mortgage loan debt, your bank should issue this document and forward it to the General Directorate of Land Registry and Cadastre. How is the Mortgage Removed? Pay Off Your Debt in Full: First, you need to pay off all of your mortgage loan debt to the bank. Request the Fek Letter: Get the mortgage fek letter from your bank indicating that your debt has been closed. Some banks may forward the fek letter directly to the Land Registry Directorate. Complete the Land Registry Transactions: After the Fek letter reaches the Land Registry Directorate, the procedure is made for the cancellation of the mortgage. Check the Mortgage Registration: When the land registry transactions are completed, you can confirm that the mortgage information has been removed from the land registry via e-Government or from the Land Registry Directorate. Things To Pay Attention To Some banks may charge processing fees for mortgage interest. Therefore, it is important that you learn the procedures that your bank applies in advance. As long as the mortgage fek transaction is not made, the mortgage will continue to appear in your land registry and you may have problems when you want to sell the house. It is of great importance that everyone who closes their home loan debt follows the mortgage fee writing process. Otherwise, the mortgage will continue in the land registry and your right to savings on the property may be restricted.