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Can personal loans be transferred? What should I do? Can personal loans be transferred?
Can a bank loan be transferred to someone else's name?

The loan cannot be transferred to someone else's name. Loans handled by individuals cannot be transferred to others at will. Only after consulting with others, others will apply for a loan from the bank, and then use the loan to help you pay off your debts, which may be transferred to others' names.

Unless both parties negotiate and re-sign the contract for the outstanding part of the loan with the consent of the original loan bank, it can be transferred to someone else's name, which is equivalent to refinancing. Banks will not handle such business and will directly refuse it.

If the house loan needs to be transferred to someone else's name, you need to go through the transfer procedures, so you can re-apply for the loan. Only when the house has been registered can the mortgage be repaid. The process is as follows: after the loan contract is signed and approved by the bank, the previous loan repayment will be made, and then the new property right certificate will be handed over to the bank for loan, and the buyer will repay the loan every month.

Mortgage-to-mortgage loan is a general term for individual housing loans, and whether it can be handled depends on whether the bank and the lender reach an agreement through consultation. If the bank allows, you can follow the following steps:

1. The seller applies to the mortgage issuing bank for approval.

2. After the bank audit, the bank, the seller and the new buyer signed an agreement, and the bank agreed to the seller's transfer. The buyer promises to give priority to the repayment of the bank loan and authorizes the bank to directly deduct the outstanding loan principal and interest from its account opened in the bank. The buyer promises to remit the house payment to the account opened by the seller in the bank at the time of transaction.

3. The seller and the buyer sign the house transfer contract.

4. When buyers apply for a new loan from the bank, the calculation formula is: the loan amount is the market price of the purchased house × the percentage of the second-hand housing loan. The mortgage loan amount of general residential mortgage is about 70% of the house price, and it may be higher if it is guaranteed. The loan amount for shops is about 50%, for office buildings about 60%, and for factories up to 50%.

5. After the bank agrees, sign a new loan contract and mortgage contract with the buyer.

6. After the bank and the seller go to the real estate management department to cancel the mortgage registration, they will go through the new mortgage registration formalities with the buyer.

Can the mortgage be transferred to others?

Generally, when you apply for a loan to buy a house, you will choose a loan period of 20 or 30 years, so that the monthly repayment pressure will not be too great and it will not have a great impact on your daily life. If the mortgaged house is to be sold, it is usually sold after the loan is repaid, so it is necessary to repay it in advance. Many people think that loans can be transferred to buyers' names, so can mortgages be transferred to others? Let's take a look with Bian Xiao.

1. Can the mortgage be transferred to others?

The mortgage can be transferred to others, just go through the formalities of mortgage transfer. The borrower needs to apply to the original loan bank for the transfer of the personal housing loan that will be mortgaged to the bank, that is, to change the loan term and the borrower, that is, to change the borrower. If the borrower changes, the borrower will naturally change.

2. What are the loan repayment methods?

1, equal repayment of principal and interest

The monthly repayment amount is fixed, and its monthly principal and interest are the same. The sum of principal and interest is the loan to be repaid, and the monthly repayment amount is divided by the total loan months.

2. Repayment by average capital

The repayment method in average capital is to share the loan amount equally, but the loan interest is different, so the monthly payment is gradually reduced, and the pressure of early repayment will be greater.

3. Pay interest every month and repay the principal when due.

Borrowers who apply for this repayment method need to repay the loan principal in one lump sum on the day when the loan expires, and only need to repay the interest before the loan expires.

4. Repay part of the loan in advance

Repayment of part of the loan in advance, that is, the amount of the loan applied for prepayment, is generally repaid by an integer multiple of 10,000, and its repayment amount and repayment period will change at any time.