CCB can use the mortgage to refinance the house for another 100,000 yuan. What is mortgage refinancing? It means that a borrower who has already applied for a personal housing mortgage loan with a bank can change the mortgage and obtain a new loan. It is possible to obtain a larger loan balance without selling the existing mortgaged property to refinance the mortgaged property.

1. CCB mortgage housing refinancing application conditions:

1. Chinese citizens with legal and valid identity certificates, aged 18 to 65 years old

2 , have a legitimate occupation, stable income, have the ability to repay the principal and interest of the loan in full on time, and have a good credit record

3. Agree to use the property and its equity in the personal name as a mortgage as a loan Conditions for issuance

4. Have legal and legitimate financing purposes

2. CCB mortgage housing refinancing application materials:

1. Ownership of mortgage properties such as real estate certificates Supporting documents.

2. ID card, household register, and marriage status certificate of the applicant and his/her spouse

3. Income certificate of the applicant and his/her spouse

4. Loan Relevant proof of purpose

5. Other relevant information required by the bank Bank interest rates and repayment methods:

1. Bank interest rates shall be subject to the commercial loan interest rates stipulated by the People's Bank of China during the same period or may be appropriately floated;

2. If the loan period is less than one year, you can choose to repay the interest on a monthly or quarterly basis, and the principal will be repaid in one go at maturity; if the loan period is more than one year, you can choose to repay the principal and interest on a monthly basis. Or wait for principal repayment.