There are three types of personal housing mortgage loans: one is real estate transaction mortgage loan, which refers to the business that borrowers who have applied for personal housing mortgage loans in our bank or other banks sell mortgaged houses during the repayment period, and the transferee of housing property rights (that is, the buyer) applies for second-hand housing mortgage loans in our bank. Second, loan-to-mortgage refers to the business that the borrower transfers personal housing mortgage loans handled in other banks to banks for mortgage loan transfer, and the borrower is the original borrower. 3. The borrower's change of mortgage refers to the application for changing the borrower's business due to gift, inheritance, divorce and other reasons.

Applicable object:

Natural persons with valid identification and full capacity for civil conduct, including foreigners, stateless persons and residents of Hong Kong, Macao and Taiwan, must meet the relevant requirements of the State Administration of Foreign Exchange and foreign-invested real estate market access.

Application materials:

1. Materials provided by the seller (original borrower): the seller's valid identity certificate, the property ownership certificate of the transferred property (the pre-sale house is a purchase contract), the written statement of consent to the transfer issued by the property owner, the original loan contract and other materials specified by the bank.

2. Materials provided by the purchaser (new borrower): the purchaser's valid identity certificate, the purchaser's marital status certificate, income certificate, house sales contract, down payment certificate and other materials specified by the bank.

3. The borrower needs to provide valid legal documents, including but not limited to divorce certificates and death certificates.

Processing flow:

1. The buyer and the seller submit application materials to the bank to apply for refinancing.

2. If the re-mortgage business is approved after examination, the bank will sign a loan contract with the purchaser and an original loan contract modification agreement with the seller.

3. Completed the registration and insurance of property rights and mortgage changes.

4. The bank will transfer the sub-mortgage loan into the settlement account opened by the seller in the bank, and notify the seller to come to the bank to handle the settlement procedures of the original loan.

5. The purchaser shall fulfill the repayment obligation in accordance with the loan contract.

6. After the loan is settled, go through the mortgage registration cancellation procedures.