The new worldwide arrangement that came in a few years back is that NO individual congregation owns a hall.
The titles are held and owned by the local branch offices.
The branch took on the debt if any was remaining and "forgave the loan" to the individual congregation. But if that cong had paid off their loan already, it didnt matter. ALL congregations must pay a monthly fee regardless of whether their hall was paid off or not.
It is like having your mortgage paid off, and yet having to still pay off a loan forever anyway!