"Mortgage" is a general term for individual housing loans. In the first case, the original borrower (seller) originally borrowed money from the bank to buy a house. Through the mortgage refinancing procedure, the loan can be transferred to a new borrower (buyer) together with the house. In the second case, the original borrower wants to use the house mortgaged to the bank to increase the loan amount because of financing or liquidity needs, or he can transfer the loan to other banks through mortgage transfer procedures. 1. The original borrower applied to the bank; 2. Approved by the bank, the bank, the seller and the buyer signed an agreement, and the bank agreed to the seller's transfer of the house. The seller promised to give priority to the repayment of the bank loan and authorized the bank to directly deduct the outstanding loan principal and interest from its account opened in the bank, and the buyer promised to transfer the house payment to the seller's account opened in the bank during the transaction; 3. The seller and the buyer sign the house transfer contract; The purchaser puts forward a new loan application to the bank, and the loan amount can be the remaining loan balance of the seller, or can be calculated according to the following formula: loan amount = market price of the purchased house × second-hand housing loan ratio; 4. After the approval of the bank, sign a new loan contract and mortgage contract with the purchaser, and issue a letter of commitment to agree to the loan. The bank and the seller go to the real estate management department to cancel the mortgage registration, the seller and the buyer go through the formalities of property right transfer, and the bank and the buyer go through the new mortgage registration procedures; 5. The bank issues the loan to the buyer, transfers the loan to the account opened by the seller according to the buyer's authorization, and then directly deducts the outstanding loan principal and interest from the account according to the seller's authorization to terminate the original loan contract.

Second, how to apply for a mortgage loan?

Mortgaged loans generally refer to personal housing mortgage loans. Converting a mortgage loan requires both the original borrower (seller) and the new borrower (buyer). The original borrower (seller) repays the bank loan in advance, cancels the creditor-debtor relationship with the bank and cancels the mortgage registration; Then the new borrower (purchaser) applies for a second-hand housing loan, and the purchased house is used as the mortgage guarantee for the new loan, and the mortgage registration is handled. Legal basis: Article 25 of the General Principles of Loans. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender. Article 26 of the General Principles of Loans: Evaluate the borrower's credit rating according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. Article 27 loan investigation: after accepting the borrower's application, the lender shall investigate the borrower's credit rating, the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. Article 28 of the General Principles of Loans: The lender shall establish a loan management system with separate loan examination and grading approval. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority. Article 29 of the General Principles of Loans: All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. The mortgagor, pledger and lender shall sign mortgage contract and pledge contract for mortgage loan. If registration is required, it shall be registered according to law. Article 30 of the General Principles of Loans: The lender shall issue the loan on schedule in accordance with the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.

3. What does refinancing mean? How to apply for mortgage loan?

Loan guarantee experts remind you that when looking for loan institutions, don't trust some small loan advertisements and small companies, but apply for loans in formal loan guarantee companies.

This is a question that customers often ask when applying for mortgage loan with the guarantee of drilling sincerity. Bian Xiao, a mortgage loan secured by drilling integrity, will answer questions related to mortgage loans:

Let's talk about the conditions that need to be met when applying for a mortgage loan:

1. The borrower holds valid identity documents;

2. The borrower has signed a legal and effective real estate sales contract or a letter of intent to purchase a house, and its own funds account for more than 30% of the total price of the purchased real estate;

3. The borrower has a stable and legal source of income and the ability to repay the principal and interest of the loan on time;

4. Being able to provide the guarantee recognized by CCB;

5. The borrower opens a deposit account in CCB (or handles a dragon card);

6. Other conditions stipulated by the Construction Bank.

Let's see if these conditions are met first. If these conditions are met, you can apply for a loan at CCB. Let's talk about what materials need to be prepared before handling the loan:

1, loan application (in duplicate);

2. Original and photocopy of ID card (1 copy), original and photocopy of household registration book (1 copy), marriage certificate and photocopy of spouse's ID card provided by the married person (each 1 copy);

3. Credit materials that prove the borrower's repayment source and repayment ability, such as salary certificate, tax bill, bank passbook (bill), securities, investment certificate and other property ownership certificates;

4. Original and photocopy of the letter of intent (one for each);

5. Real estate appraisal report;

6. Where other mortgages (pledges) are provided as phased guarantees, a list of mortgaged or pledged properties and ownership certificates, as well as a written statement of the person who has the right to dispose of them, including the spouse's consent to mortgage or pledge, shall be submitted.

After preparing the materials, you can formally apply, so what is the loan process? Let me share the loan process:

1. With the consent of CCB, the seller (original mortgage borrower) and the buyer (second-hand housing mortgage loan applicant) conduct real estate transactions and sign a house purchase contract or letter of intent;

2. Apply for a loan from CCB and submit relevant materials;

3. The Construction Bank will notify the borrower of the results of the credit investigation and review of the borrower. If CCB agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a Supplementary Contract for Building Mortgage Loan with the seller, who will pay off the difference between the loan amount and the loan principal and interest owed by the seller.

4. The borrower entrusts China Construction Bank to handle real estate transaction transfer, mortgage registration, real estate insurance and other procedures with the seller;

5. CCB will transfer the loan funds to the seller's mortgage loan account and related accounts at the original loan outlets after obtaining the land and house ownership certificate to repay the principal and interest of the mortgage loan owed by the seller, and then transfer the remaining funds to the seller's account opened in CCB.

6. The borrower repays the loan on schedule.

After these steps, our mortgage loan is completed. The above is the mortgage loan handling matters shared by Bian Xiao of Zuicheng Guarantee, hoping to help friends who need loans.

4. What does refinancing mean? How to apply for mortgage loan?

Mortgage is to return the house to the bank.