The mortgage card can be exchanged. To change the mortgage card, you need to fill in the application for change at the loan bank, and go through the formalities for changing the repayment account at the bank counter with personal ID card, loan contract, real estate license and other materials. If repayment is required during the replacement period, the lender shall be contacted in time to apply for grace to ensure the normal repayment of the loan.

According to the relevant laws and regulations of our country, if the loan cannot be repaid on time, the borrower should apply to the lender for loan extension before the loan expires. Whether the extension is decided by the lender. When applying for extension of secured loan, mortgage loan or pledged loan, the guarantor, mortgagor and pledgor shall also issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement.

legal ground

Article 12 of the General Principles of Loans: If the loan cannot be repaid on schedule, the borrower shall apply to the lender for extension before the loan expires. Whether the extension is decided by the lender. When applying for extension of secured loan, mortgage loan or pledged loan, the guarantor, mortgagor and pledgor shall also issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement. The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower fails to apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.

Can the mortgage bank card be replaced?

After applying for a mortgage, the borrower can change the loan repayment bank card. The process of replacing the repayment bank card is as follows:

(1) When applying for replacing the repayment bank card, the borrower must first prepare the required documents. These documents include the old and new bank cards that need to be replaced, the borrower's ID card, the original mortgage loan contract, and the original real estate title certificate for the purchase of real estate (provided, all are unnecessary).

(2) Go through the change procedures at the bank that applied for the house purchase loan. After the replacement, the borrower can use the new bank card immediately. Moreover, the money in the old bank card will also be transferred to the new bank card. However, the online banking of bank cards will not change automatically with the replacement of bank cards, and borrowers need to handle online banking themselves.

However, banks have requirements for bank card repayment, and not every bank card can be replaced with a new repayment bank card. Only the account of the borrower or the same borrower can be used as the repayment account. Therefore, when replacing the bank card for repaying the house loan, the new bank card must belong to the person related to repaying the house loan.

After the borrower successfully replaces the repayment bank card, he should remember to repay the loan on time, so as to avoid overdue records and affect personal credit information.

Can I exchange my mortgage card for another one?

Yes, the mortgage card can be exchanged for another card. You can bring your ID card and bank card to the bank counter where you apply for a loan, and bind a new bank card for repayment. You can also call the customer service hotline of the loan bank and transfer money to handle the card replacement business manually.

However, due to the different regulations in different cities, it is recommended to contact the handling bank or the local post-loan service center directly for consultation and confirmation.

In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity.

If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.

The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. But each commercial bank can float within a certain range.

The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.

Further implement the responsibilities of local governments. Local governments should earnestly assume the responsibility of promoting the stable and healthy development of the real estate market. 20 1 1 The people's governments of cities should reasonably determine the annual price control target of new housing in their respective regions according to the local economic development goals, the growth rate of per capita disposable income and the affordability of residents' housing, and announce it to the public in the first quarter.

Increase the construction of affordable housing projects. All localities should raise affordable housing through new construction, renovation, purchase and long-term lease, and gradually expand the coverage of the housing security system. Strengthen the management of affordable housing, improve the access and exit mechanism, and effectively achieve openness, fairness and justice. Conditional areas and towns can be included in the scope of housing security work. Strive to increase the supply of public rental housing.

Adjust and improve relevant tax policies and strengthen tax collection and management. Adjust the business tax policy of individual transfer of housing, and uniformly levy taxes on individuals who purchase housing for less than five years and then change hands.

Strengthen the supervision and inspection of land value-added tax collection and management, focusing on land value-added tax liquidation inspection for real estate development projects whose pricing obviously exceeds the surrounding housing prices. Increase the application of real estate price evaluation technology, strengthen the pilot and promotion of tax collection and management of stock housing transactions, and resolutely plug tax loopholes.

Strictly implement the personal transfer of real estate income tax collection policy. All localities should speed up the establishment and improvement of personal housing information systems to provide a basis for taxation according to law.