After divorce, the lender can be changed in the following ways:

1. After the divorce, if the house under one's own name is involved and the loan has not been paid off, the first thing you need to do is to analyze the nature of the house and apply for the deed tax exemption certificate. Go through the transfer formalities first. When going through the production analysis procedures, you should go to the local housing management department.

2. If you want to change the lender, you need to get the consent of the bank. You can negotiate with the bank to handle the mortgage transfer procedures, transfer the lender to someone else's name, and then re-sign the loan contract. But not all banks can handle it, so you need to consult clearly before.

If you can't handle it, the only way is to pay off all the loans. The bank will pay off all the loans, get other warrants, bring all the information, go to the Housing Authority for mortgage cancellation registration, and then transfer the property to another person's name.

Generally speaking, as long as the husband and wife reach a divorce agreement on the division of real estate and change the main lender, the bank will generally agree and cooperate with the formalities for changing the loan contract. However, some couples have a long loan period, such as a 30-year loan repayment period, and the monthly loan repayment amount is higher, such as more than 4,000 yuan. After the change, the borrower's monthly salary income is less than twice the loan amount. Unless the parties provide another guarantor or take other guarantee measures, banks will generally not agree to change the main lender.

How to divide the house after divorce?

1. After divorce, how to divide the husband and wife's house should be analyzed in detail. The first point is to solve it through consultation between husband and wife. After getting the agreement, the housing will be allocated according to the agreement of both parties. However, if the negotiation fails, it can only take effect through the judgment of the people, which involves many problems.

2. If this house is bought with a loan before marriage, it can be used as personal property before marriage. However, if both parties repay the loan after marriage, they need to compensate the other party when they divorce.

3. If you buy in the same place after marriage, whether it is full payment or loan, this housing allocation needs to participate in the same division.

Can I change lenders in the middle of the mortgage?

Housing loans can change the main lender, but it is necessary to apply to the lending bank and the bank agrees to change the main lender. If it is a provident fund loan, the borrower of the loan can only change under the following circumstances:

1. When the borrower divorces, it is necessary to transfer the ownership of the house to the spouse.

2. The borrower does not have full capacity for civil conduct.

3. The borrower dies and is declared dead.

Program flow

1. The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit Chi Yinlan; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6. The loan applicant repays the loan on a monthly basis.

Repayment method

brief introduction

There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method.

Average capital

It is to divide the total loan into equal parts during the repayment period, and repay the equal principal and interest generated by the remaining loans in the current month every month.

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

Features: Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less.

Average capital plus interest

During the repayment period, the same amount of loans (including principal and interest) will be repaid every month.

Monthly repayment amount = [loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]

Features: Compared with the repayment method in average capital, the disadvantage is that there are more interests. The interest in the initial repayment period accounts for most of the monthly contributions. With the gradual return of the principal, the proportion of the principal in the contributions increases. However, the monthly repayment amount of this method is fixed, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income.

Can the main lender of mortgage be changed?

The borrower who repays the mortgage cannot be changed. If you want to change it, you must go through the same procedures as when you first applied for a loan. You need to give the new borrower's materials to the bank to apply for a loan, and before that, you have to pay off all the debts owed by the bank before you can lend again. Unless it is between husband and wife or in the case of divorce, some banks can change the mortgage repayment person, but they need to pay a handling fee.

If it is a housing provident fund loan, before the termination of the individual housing provident fund loan contract, the borrower's spouse, heir to the ownership of the house or legatee may apply for changing the repayment of the housing loan:

(a) the borrower's divorce causes the ownership of the house to be transferred to the spouse;

(2) The borrower has completely lost the capacity for civil conduct;

(3) The borrower is dead or declared dead.

Let's stop talking about changing the introduction of mortgage lenders.