It cannot be changed in the middle of mortgage loan, because the bank will strictly examine the borrower according to the borrower's economic situation, taking into account the borrower's income and repayment ability, and decide the loan according to the borrower and the borrower's situation. If someone wants to change the borrower's repayment ability, then the bank will not take the risk.

What is refinancing?

The so-called "sub-mortgage" means that after the mortgaged house is mortgaged, the buyer continues to pay the unexpired debt to the seller after obtaining the permission of the loan bank. Simply put, the house is still under mortgage, and the buyer of the house will continue to pay the seller's mortgage. In the second-hand housing transaction, there are two situations that can be divided into "point-to-point mortgage" and "inter-bank mortgage". Because the buyers' credit standing, loan willingness, monthly payment ability and purchase fund arrangement are different, in the process of mortgage loan, buyers can ask for different loan terms, amounts and payment methods. In practice, the seller usually mortgages first, so that the buyer's loan will not match the seller's loan.

Risks existing in refinancing.

1, the buyer may not be able to get the loan: the seller pays off the final payment, and the buyer applies for a loan from the bank again, and the bank will refuse to lend. If the bank refuses to lend money, then the buyers must buy it in full, which will bring great economic pressure to themselves.

2. The seller suddenly repents: when the property is transferred for the second time, the house loan must be repaid before the next transaction can be made. If the buyer pays a deposit in advance to help the seller repay the loan, then once the seller reneges, the buyer will fall into a situation of "money and house are gone".

3. However, the second-hand house cannot be transferred by mortgage, because the last step of the second-hand house transaction is the transfer of property rights. Once a house has a property right dispute or is sealed up by the court, it cannot be transferred, which will bring great losses to the buyers.

4. There is a certain time for prepayment: prepayment must be made before handling mortgage loans, and even if the bank agrees, it must be agreed in advance, which will bring greater risks to the seller.