1. Lending refers to transferring a loan to another person, so that the other person becomes the repayment person of the loan and assumes the repayment responsibility of the loan. Generally, when the original borrower is unable to repay the loan because of violating the criminal law or reselling the house or car purchased by the outstanding loan, or for other reasons, it is necessary to go through the lending procedures and transfer the loan to others, so that others can repay the remaining loan amount. After the loan is transferred, the original borrower and the borrower need to go to the loan bank to handle related matters.

Second, refinancing generally means that an enterprise or individual borrows a loan that was originally due, and then goes to the bank to re-apply for a new loan or repay the old loan with a new loan. If you still borrow the new and return the old, you need to borrow money to restore the loan, then borrow money from the bank and resume the loan.

First, the lender must be a financial institution, otherwise it may constitute a crime. Lending business generally appears in real estate transactions. Preparing the required materials is a condition for successful lending. If you want to sell the house you bought with the loan, but you can't get the real estate license because the loan has not been repaid, you can go to the bank with the buyer to handle the "lending" business and transfer the loan under your name to the buyer who paid you the down payment.

2. The process of "relending" housing loan is: application, real estate assessment, bank approval, contract signing, cancellation of original mortgage, transaction transfer, mortgage filing and loan issuance. Loan terms:

1, the loan applicant meets the general housing provident fund loan conditions;

2. The loan applicant has obtained the house ownership certificate and the state-owned land use certificate of the purchased house;

3. The original commercial loan must be a house purchase loan (a commercial house purchase loan handled before the house ownership certificate is issued) and there is no debt for more than two months at the time of lending.

Three. Information required for purchasing commercial housing and loans:

1, Application for Approval of Commercial Housing Loan to Provident Fund Loan in quadruplicate;

2. Original commercial housing sales contract and invoice;

3. Original commercial loan contract;

4. The original ID cards, marriage certificates and household registration books of both husband and wife of the loan applicant;

5. Balance sheet printed by the lending bank;

6. The original of the house ownership certificate and the state-owned land use certificate.

Four, the purchase of second-hand housing loans required information:

1, Application for Approval of Commercial Housing Loan to Provident Fund Loan in quadruplicate;

2, the original housing ownership certificate and state-owned land use certificate;

3. Original bank loan mortgage assessment report (or original deed tax payment certificate) and sales contract;

4. Original commercial loan contract;

5. The original ID cards, marriage certificates and household registration books of both husband and wife of the loan applicant;

6. The balance sheet printed by the lending bank.