As the change of loan bank after the issuance of commercial loans involves a series of complicated processes, such as the change or re-signing of loan-related contracts, the adjustment of the ownership of system customers, and the judgment should be made according to the specific business conditions of different loan products and different customers. If you can handle the business, please consult the loan handling agency in detail.
The above contents are for your reference. Please refer to the actual business regulations.
Consultation on changing loan banks and loan methods?
The loan bank cannot change, only the repayment method can be changed.
Change of repayment method
First, the application conditions:
1. The loan has no default principal, interest, default interest on principal, expenses for realizing creditor's rights, losses caused to the lender due to the borrower's breach of contract and all other payable expenses;
2. According to the loan contract, the repayment method can be changed and the loan period is more than one year;
3 other conditions stipulated by the Municipal Provident Fund Management Committee or the Municipal Provident Fund Center.
Second, the handling place:
1 and loans accepted before August 2020:
Original loan bank outlets.
2. Loans accepted after August 2020 1:
Original loan acceptance outlets.
Three. Handling requirements:
1. Identity certificate: the original ID card of the borrower; Hong Kong, Macao and Taiwan residents provide Hong Kong and Macao residents' passes to and from the mainland and the original residence permit of mainland travel permit for taiwan residents or Hong Kong, Macao and Taiwan residents; Foreigners and those who have obtained permanent (long-term) residency abroad provide original passports; Hong Kong, Macao and Taiwan and foreigners are required to provide domestic contact information (name, ID number and contact information) and identity documents. If the above-mentioned personnel are adults with limited (no) capacity for civil conduct, the original and photocopy of the guardianship certificate shall be provided.
2 other materials required by the municipal provident fund center.
Fourth, the handling process:
Apply for change-sign change agreement-change settlement.
Verb (short for verb) Attendant:
Borrower. If you can't be present, you need to provide a notarial certificate issued by a notary office (the notarial certificate should specify the relevant entrusted matters) and the original identity certificate of the trustee.
6. Processing time limit:
Solve it on the spot.
Acceptance and investigation of loans
1, loan acceptance
1) Consultation before lending
Before lending, you can consult the relevant information of bank loans through on-site consultation, counter window consultation, telephone banking, online banking, loan intermediary and other channels, including: bank loan products, conditions for applying for personal loans, materials that borrowers need to prepare, etc.
2) Accept the loan application
Basic conditions to be met when applying for a bank loan:
1, a citizen of China who has reached the age of 18 and has full capacity for civil conduct, and the sum of the borrower's age and the loan term is not more than 60 years old.
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule.
3. Abide by laws and regulations, and have no illegal acts and bad credit records.
4. Have a settlement account with the applicant bank; Other conditions stipulated by the applicant bank.
Information to be prepared for applying for a bank loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
3. The borrower's income certificate (salary income certificate or tax payment certificate for half a year), personal credit report, etc.
4. To apply for a mortgage loan, you also need to provide relevant information about the mortgaged items, such as the real estate license of the mortgage loan, vehicle registration certificate, motor vehicle driver's license, car purchase invoice, etc.
Will the full name of the loan account, including the bank number of the loan bank, be changed halfway?
The bank will not change the loan.
_ Repay the loan with your bank card, unchanged. The account that the bank accepts your loan is a matter for the bank, which may change.
The mortgage interest rate is too high. Can I change banks on the way? Pay attention to these before conversion.
In modern society, house prices have been high everywhere. With millions of housing prices, many buyers can only choose to go to the bank to apply for a mortgage for up to 30 years when buying a house. And applying for a loan will have a loan interest rate. Can the mortgage interest rate be too high to repay the bank? Pay attention to these before changing careers!
The mortgage interest rate is too high. Can I return it to the bank halfway?
First of all, we must look at the current situation of mortgage. If you only pay the down payment and don't find a bank to formally sign a loan contract, then according to the loan interest rate given by the bank, it is found to be high. You can change the loan bank before the mortgage has entered the approval process. If the mortgage interest rate is too high, but it has entered the audit stage, it is impossible to change banks halfway.
But there is no way. Before changing banks, borrowers need to find a bank that is willing to accept mortgage loans. If the borrower finds a bank that can transfer the collateral, the borrower can apply for the transfer of the collateral with mortgage certificate, loan contract, repayment diary and other materials.
After the original commercial loan bank approves the loan, the lender may change the loan bank in the future. If the lender finds a bank with a lower mortgage interest rate than the current loan bank, he can find a guarantee company to pay off the money from the original loan bank, and then apply for a mortgage at this bank with a low interest rate.
The main function of this business is that the borrower can transfer the loan from the original bank to another bank without transferring the property right and the loan balance. However, the procedure is relatively complicated, and liquidated damages need to be paid. If the borrower is willing in this respect, it is recommended to consult the loan bank directly for details.
The above is the related content sharing of "Can the mortgage interest rate be repaid to the bank halfway". I hope I can help you!
Do I have to pay back the bank card when I repay the mortgage? Can you change it?
It must be my bank card, and you can't change it if someone repays it.
The mortgage loan contract is signed by the borrower and the bank. The loan has been issued and the contract has come into effect. The borrower cannot be changed. Therefore, the mortgage can only be repaid by the borrower himself, and it must be deducted by the bank card in the name of the borrower. It is not allowed to change the repayment of others.
If you lose your repayment card, go to the loan bank and get a new one immediately. If you can't get a new card before the repayment date, contact the personal loan center of the mortgage bank for repayment.
If the repayment card changes after replacement, you should go to the personal loan center of the mortgage bank to change the bank card in time to avoid delaying repayment.
Extended data
Process for changing the bank card of the mortgagor:
1. I have prepared my ID card, changed my bank card and mortgaged the contract.
I take this information to the personal loan center of the mortgage bank.
3. Fill in the form and make an appointment.
4. Call the window and go through the formalities.
Can I change my car loan bank card? Where can I change it?
It's possible. Just bring my ID card and new card to the original bank to apply for changing the debit account number. For personal loans handled in banks, if you need to change the deduction account number, you can call the customer service hotline or contact the loan handling bank for immediate effect. If it is necessary to add or change the secondary deduction account number, the account number to be changed must be a one-to-many account opened by the borrower himself or * * in the same city with the same debtor's name.
First, car loans.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Second, the loan term.
The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.
Third, the loan interest rate.
Benchmark interest rate: according to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.
Loan interest rate: the actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float down 10%, while ordinary customers need to float up 10% on the basis of the benchmark interest rate. 20 13 latest bank loan interest rate: benchmark floating 10% to 15%.
Fourth, the remaining car loan query:
1. outlet inquiry: The borrower can apply for inquiring the balance of car loan at the outlet of the business hall of the nearby loan bank with his ID card and loan contract. Take the initiative to provide your personal information, ask the staff to help print the repayment schedule within one year, and you can check the remaining amount to be repaid.
2. Log in to the online banking of the loan bank for inquiry. We only need to download the online banking app of the loan bank, so we can check the loan balance without leaving home. This query method is the simplest. Through online banking, you can not only find out how much car loan is left, but also record the repayment information better.
3. Lenders can also call the customer service phone of the loan bank to inquire, but this method can only obtain the single information of the loan balance, and cannot know the monthly repayment situation before and after.
Operating environment: Huawei Nova45.6.0 online banking APP version model: 5.9.0.