"Mortgage" means that during the repayment period of individual housing loan, the borrower sells the house as collateral, and with the consent of the loan bank, the buyer of the house continues to repay the unexpired loan of the seller. In short, the house that is still mortgaged is bought and sold again, and the buyer of the house continues to repay the mortgage payment of the seller. Here is a brief introduction to the basic operation process of remortgage loan. 1. The buyer and the seller sign a sales contract, namely the House Sales Contract. Materials to be submitted by the buyer: ID card, photocopy of household registration book (both husband and wife), marriage certificate, sales contract, income certificate and business license stamped with official seal (all above are photocopies); Materials to be submitted by the seller: house purchase contract, loan contract, house purchase invoice, deed tax invoice, bank statement and loan voucher; Copy of ID card, household registration book, original seller's statement and proof that the seller's spouse agrees to sell; 2. To evaluate the traded house, both buyers and sellers need to carry ID cards, household registration books, sales contracts and copies of property certificates; 3. The buyer will submit the loan application materials to the bank, obtain the loan approval from the bank and deposit it in the special loan account; 4. The seller shall complete the formalities of repaying the loan in advance and cancel the mortgage registration; 5. After the seller completes the mortgage cancellation procedures, both parties go to the trading center to handle the transfer; 6. The remaining house price paid by the buyer to the seller except for prepayment of the loan; 7. After the buyer's property right certificate is issued, the mortgage registration shall be handled; 8. The certificate of other rights is taken over by the bank, and the buyer takes back the real estate license.

Second, how to reduce interest rates through refinancing?

At present, there are only two ways to reduce the mortgage interest rate from 30% to 10%. One is to refinance the mortgage, and the other is to lower the interest rate through the relationship.

Let's look at the first method, reducing interest rates through relationships.

Usually, when you sign a loan contract, the floating interest rate of the mortgage interest rate will be clearly written, and this floating interest rate will stay with you until the loan is settled. During this period, no matter what happens to the bank loan interest rate, even if the central bank lowers the benchmark interest rate, your floating interest rate will not change much. For example, if your current floating interest rate is 30%, the interest rate implemented by the bank will still rise by 30% according to the benchmark interest rate at that time until your last repayment.

Of course, if you have a certain relationship in the bank, maybe the bank will make an exception, re-sign the contract with you and then lower the interest rate. However, at present, ordinary sub-branches still have no right to reduce the user's loan contract interest rate. The general head office or some large banks have this right. If you know the senior manager of the bank head office, maybe he can win it for you! But most people can't know the people in the head office of the bank, so this road is generally not feasible.

In addition, if you can deposit a large sum of money in the bank, for example, more than100000, maybe the bank will apply to the head office for the interest rate of the down-floating mortgage loan for you, but if you really have so much money, you can directly pay off the loan in advance and find another bank with a lower interest rate to refinance the loan without asking the bank at all!

The second way is subprime mortgage.

Converting mortgage is a feasible way.

The so-called subprime mortgage loan is a general term. There are two ways to refinance a mortgage. One is that the last family in the sale of second-hand houses applied for a loan in the bank before, and the loan can be transferred to the buyer in the form of "lending". On the other hand, if the borrower wants to get a higher loan amount because of the higher loan interest rate of the current bank, he can also transfer to other banks to apply for a loan through the mortgage refinancing procedure.

If you want the mortgage interest rate to rise from 30% to 10%, you can transfer the mortgage loan handled by Bank A to Bank B ... The specific operation process is as follows.

1. When the overall interest rate in the market is relatively low, find a bank that can refinance mortgage loans, and choose a bank with a lower interest rate than it is now, so as to ensure that the interest rate of this bank can be reduced by 65,438+00% at that time, and understand the relevant policies of this bank on refinancing mortgage loans (at present, only some banks accept applications for refinancing mortgage loans, such as China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and Shanghai Pudong Development Bank. And some banks don't support refinancing.

Second, deeply understand the requirements to be transferred to the bank, such as income, work, credit information, liabilities, etc. And make sure that your conditions fully meet all the requirements of the new bank for mortgage loans, so as to avoid being passive in the later stage.

3. Prepare application materials, such as house purchase contract, loan contract, copy of ID card, copy of real estate, income certificate and repayment record, and then apply to the new bank that accepts mortgage loan and fill in the application form of "mortgage to mortgage".

Fourth, wait for the bank to review. After you submit the information, the bank will generally give the approval result within seven working days. If it meets the requirements, it can be handled normally. If it does not meet the requirements, it will be stopped.

5. After the bank confirms that the loan can be approved, pay off the remaining mortgage loan of the original bank in one lump sum. At present, most banks that support refinancing must settle their original loans. At this time, if you have your own funds, you can repay them yourself. If you don't have the funds, you usually need to pay a handling fee of about 65,438+0% ~ 2% (but this fee is lower than the mortgage interest rate from 30% to 65,430%).

Six, after paying off the original bank loan, get back the mortgaged real estate license and sign the latest loan contract with the new bank, and go through the mortgage formalities again.

7. The bank will transfer the loan money to your personal supervision account, and then transfer it to the guarantee company or advance company. If you pay back the money with your own money, it will be credited to your personal account.

However, it should be reminded that although some banks support mortgage loans at present, some banks will ask you to provide new loan purposes, such as decoration. You can consult your local bank for details.

Third, how to operate mortgage to mortgage?

Operation process of mortgage to mortgage: 1. Looking for a new bank, looking for a receiving bank that can give greater interest rate concessions to mortgages; 2. Bring all the application materials, including the original loan contract, house purchase contract, copy of real estate license, original ID card, income certificate, repayment record, etc., and fill in the application form for "remortgage" at the outlet of the receiving bank; 3. Credit inquiry. After the application, the person who wants to "refinance" must authorize the receiving bank to inquire about the "personal credit file"; 4. The record should be good. If there is no malicious loan default record in the applicant's personal credit record, the receiving bank will generally make a decision to accept the "re-mortgage" within 7 working days, and notify the applicant by telephone at the same time; If there is a record of loan default or credit card explosion in personal credit record, the receiving bank may refuse to accept "remortgage"; 5. Repay the loan in advance, and apply to the original loan issuing bank for full repayment in advance after obtaining the approval of the receiving bank. Because many banks require to apply for "full repayment in advance" one week in advance, this process takes about half a month; 6. Sign a new contract, repay the loan in full at the original loan issuing bank in advance and get back the mortgaged real estate license, and then sign a new personal housing mortgage loan contract at the receiving bank outlet; 7. Re-mortgage. Holding the real estate license, the full repayment certificate and the personal mortgage loan contract signed with the receiving bank, go to the mortgage registration department where each house is located to go through the mortgage formalities first, and then go through the new mortgage formalities; 8. Submit the formalities to the bank, and hand over the real estate license, mortgage cancellation procedures and mortgage procedures to the receiving bank. Legal basis: Article 5 of the Measures for the Administration of Individual Housing Loans has assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

Four, mortgage to mortgage how to operate?

Mortgage to mortgage

1, find a new bank, and find a receiver who can give the mortgage a greater interest rate discount.

2. Fill in the "Re-mortgage" application form with all application materials, purchase contract, copy of real estate license, original ID card and income certificate;

3. Credit inquiry. After applying, you should "transfer to personal credit file" for inquiry;

4. The record should be good. If there is no malicious breach of contract in the applicant's personal credit record, the applicant will be accepted within 7 working days. If there is a record of loan default or credit card explosion in personal credit record, the receiving bank may refuse to accept "remortgage";

5. Repay the loan in advance, and apply to the original loan issuing bank for full repayment in advance after obtaining the approval of the receiving bank. Because many banks require to apply for "full repayment in advance" one week in advance, this process takes about half a month;

6. After the lender repays the loan in full in advance and gets back the mortgaged real estate license, it signs a new personal housing mortgage loan contract at the receiving bank outlet;

7. Re-apply for mortgage, and go through the mortgage formalities with the real estate license, proof of full repayment, and the contract signed by the personal mortgage registration department and the receiving bank;

8. Submit the formalities to the bank, and hand over the real estate license, mortgage cancellation procedures and mortgage procedures to the receiving bank.

Legal basis: Article 5 of the Measures for the Administration of Individual Housing Loans.

Having assets recognized by the lender as collateral or pledge, or having sufficient compensation.