Mortgaging is also called personal housing mortgage loan. Simply speaking, if the borrower (seller) wants to sell the house as collateral, it needs to transfer the mortgage loan of the house to the buyer, so that the buyer can continue to repay the loan that the seller should repay.

Of course, in the process of lending, you need to obtain the consent of the lending bank. In specific operation, the mortgage-to-mortgage business is divided into two types: person-to-person mortgage and inter-bank mortgage.

In addition, for the buyer, due to the differences in credit status, loan willingness, monthly payment ability and house purchase funds, he can choose different loan amount, term and repayment method according to his actual situation when handling the remortgage business.

Note: there will be restrictions on the operation of refinancing. Only a few banks support the business of refinancing, so refinancing is only applicable to a small number of people. Moreover, different bank policies are different, and the loan bank policy shall prevail.

The above is provided by Guangzhou Lide Guarantee Company. The answer is for reference only.