When the lender is unable to repay the loan or divorce, the borrower's name can be changed. Changing the borrower's name is called lending, and lending can go to the bank to go through the relevant procedures.

Materials to be provided when applying for a loan:

4 copies of the applicant's and spouse's ID card (copy the back of the second-generation ID card bill);

Three copies of the household registration book of the applicant and spouse;

The applicant's marriage certificate (the marriage certificate needs to copy the photo page and the content page; The time of unmarried certificate must be counted from the marriage age stipulated by the state;

The certificate of non-remarriage must be counted from the date of divorce or widowhood; The certificate must be issued by the civil affairs bureau, valid for ten days), one original and two copies;

Fill in the complete Application Form for Housing Provident Fund Loan (sealed by the unit), with three originals; Three originals of loan mortgage contract, loan voucher and other relevant loan procedures;

List of loan balance (repayment in the last six months and loan balance in this month), one original and two copies; Three copies of housing property certificate, deed tax certificate, land certificate and other documents;

Sign the Registration Form for Housing Mortgage Filing (provided by the guarantee company), original 1 copy. In addition, all copies must be copied on a4 paper, and the originals must be checked at the handling site.

Legal basis: Article 551 of the Civil Code of People's Republic of China (PRC). Where the debtor transfers all or part of its debts to a third party, it shall obtain the consent of the creditor.

The debtor or a third party may urge the creditor to give consent within a reasonable time. If the creditor fails to express it, it shall be deemed as disagreement.