The business of different banks varies greatly. At present, the banks that support refinancing are China Merchants Bank and China Construction Bank. Whether they can handle this business or not, they still have to go to the counter for consultation. Mortgage is a common name, mainly in the form of re-mortgage, to transfer outstanding loans to new buyers.

The difference between mortgage loan and real estate loan;

1, resulting in different costs.

Mortgage loan, which is a personal housing loan that many people are familiar with, is a loan obtained from a bank with certain collateral. Judging from the current policy, the floating of mortgage is lower than that of mortgage.

2. The subjects of legal relationship are different.

In the mortgage relationship, the debtor and the mortgagor have only two legal subjects, but in the mortgage relationship, there are three legal subjects.

3. Different preconditions

Applying for a mortgage loan is to use the house purchased by the purchaser as collateral, which can only be used for buying a house, and the mortgage loan can be used for other purposes than buying a house. Yoshiya real estate encyclopedia, buying a house needs more knowledge.