Definition and types of housing-to-mortgage loans Housing-to-mortgage loans can actually be regarded as second-hand housing transaction loans, but they are different from ordinary second-hand housing mortgage loans. Mainly because the housing mortgage loan can transfer the housing property right and the remaining mortgage contract to others. Mortgage is the most mainstream way to buy a house at present, and its concept is no longer strange. Simply put, housing mortgage is actually an extended function of mortgage loan. There are three main types, namely, mortgage loans involve two parties: borrowers and banks. For banks, mortgage is a kind of creditor's right; For borrowers, mortgage is debt. According to whether the collateral involved in housing mortgage loan has changed its property right, it can be divided into transactional mortgage loan and non-transactional mortgage loan. According to the types of loans, there are provident fund loans, commercial loans (mortgages), portfolio loans and consumer loans. For example, Lao Wang's purchase of housing is realized by mortgage in the bank, and the repayment period is 20 years. However, Lao Wang's mortgage loan has not been repaid, and the house he bought needs to be sold, inherited to his children or given to others for some reason. At this time, Lao Wang needs to transfer the ownership of the house together with the outstanding mortgage to others by handling the mortgage loan. In other words, after a series of bank loan transfer procedures are completed, Lao Wang's house property rights will be handed over to others, and the remaining mortgage loans will also be borne by the new owners. Risks that property buyers need to face when they turn to mortgage loans. Because the applicant can't make a second mortgage in the process of mortgage loan transfer, the bank first issues the loan to the applicant to pay off the original owner's first loan, and can't handle the mortgage loan until the property ownership certificate is transferred. Therefore, the applicant's mortgage loan faces the following risks: 1. After the buyer paid off the mortgage, the seller refused to accept the account and refused to transfer to the buyer. 2. The buyer of the house is unwilling to repay the loan for the seller after receiving the loan. 3. After the house transaction, the seller can't get the remaining house payment. 4. Banks can't issue loans in advance. It is difficult for the buyer to get the real estate license. Related reading: Analysis on the changes of mortgage policy of provident fund loans in various parts of China; The definition of non-trading mortgage loans and the proportion of mortgage loans are expected to increase under the restriction of purchase. What are the types and advantages of personal housing mortgage loans? What are the types of mortgage loans and the introduction of common mortgage loans? Related labels: What is second-hand housing mortgage?