The house transfer lender in the loan can be changed, and it can be handled by "re-mortgage". The process of remortgage: the buyer and the seller sign the house sales contract; , the buyer, the seller and the law firm signed the Mortgage Transaction Security Guarantee Contract; 3. The buyer pays down 30% of the house price (according to the principle of lower transaction price and evaluation price, the evaluation is exempted within one year, subject to the original purchase price); Letter of confirmation from the seller's loan bank that it agrees in writing to repay in advance in one lump sum (including the principal and interest of the funds owed and the repayment account number); 2. The buyer applies to the loan bank for a second-hand house mortgage loan according to the aforementioned documents and personal credit documents (the loan application is submitted, the lawyer conducts preliminary examination and the bank reviews); The seller actually delivers the house to the buyer; Lend money after bank review and transfer it to the seller's bank; After receiving the money, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages it to the buyer's loan bank; The buyer's loan bank will pay 30% down payment to the seller. Materials required for lending: materials required by the original borrower: copies of ID cards of the borrower and the obligee; Original title certificate; The original loan contract (mortgage contract); Original of the first bank repayment form; Copy of repayment card or passbook; House sales contract. Information required by the new borrower: copies of ID cards of the borrower and the obligee; Copy of the household registration book of the borrower and the obligee; A copy of the borrower's marriage certificate; The borrower and the borrower's income certificate; , down payment receipt; , housing assessment report; Housing sales contract; If the provident fund loan is accompanied by a provident fund account number; For example, consumer loans, with consumer use certificates and water, electricity and coal bills. All copies shall be made on A4 paper.

How can I repay my mortgage when I change my house with a mortgage?

Under normal circumstances, the person who repays the mortgage cannot be changed. If you insist on changing, you need to re-apply for the first housing loan, and you must pay off all the loans owed to the bank before you can lend it, and of course you may be rejected. Specifically, it can be divided into the following situations:

1. If the loan contract needs to be changed, the borrower should negotiate with the bank. If the bank agrees to change the repayment person, it may change the repayment person.

2. When the guarantor loses the qualification and ability to guarantee, or in case of merger, division or bankruptcy, he can change the mortgage repayment person.

3. If the borrower dies, is declared missing or loses capacity for civil conduct, the legal heir of his property will continue to perform the loan contract signed by the borrower.

It is understood that the mortgage repayment method can be changed, but the process will be a bit cumbersome, requiring buyers to apply to the bank with all the mortgage materials at that time. Of course, it should be noted that the operation and application time of each bank are different. You can consult your local bank when applying. In addition, if the mortgage contract involves the housing developer, the consent of the housing developer is required to change the purchase contract.

Can the repayment method of bank loans be changed?

The general situation of mortgage borrowers, that is, borrowers, cannot be changed.

1. It is almost unrealistic to change the lender after the bank loan is approved and issued. When we apply for a loan in a bank, the bank will conduct a very detailed and perfect audit of the borrower's credit status, repayment ability and collateral. At the same time, according to the borrower's conditions, choose loan issuance and loan details, such as loan term. The same loan application, if you want to change lenders, is very risky for banks, which can almost be defined as loan fraud. No matter from the perspective of risk control, it is impossible to change the lender for the approved bank loan. If it is necessary to change, you can submit the new borrower's materials to the bank for review as you did when you applied for a loan for the first time, and pay off all the previous bank debts before you can borrow again.

If you want to change the borrower, you must go through the same procedures as when you apply for a loan for the first time. You need to give the new borrower's materials to the bank to apply for a loan, and before that, you have to pay off all the debts owed by the bank before you can borrow again. Unless it is between husband and wife or in the case of divorce, some banks can change the mortgage repayment person, but they need to pay a handling fee.

3. If the mortgage loan changes the bank loan repayment person, the specific operation process is as follows:

1) The buyer and the seller sign a sales contract to confirm in advance whether the buyer has the ability to repay the loan.

2) When the bank agrees to the buyer's loan, it chooses to apply for peer-to-peer lending or interbank lending (note: if the seller repays less than one year, it generally chooses peer-to-peer lending or interbank lending; If it has been one year, you can choose to transfer money across banks).

3) The buyer applies to the bank for refinancing, submits relevant materials and pays relevant fees, including guarantee fees (the normal lending time of the bank is within three working days after the transfer). Banks usually designate their recognized guarantee companies or intermediaries to undertake the guarantee responsibility of advance payment. That is, after lending money to the buyer, if the seller defaults or the buyer defaults, resulting in the house not being sold, the guarantee company or intermediary agency shall be liable to the bank for compensation. The resulting guarantee fee in the re-mortgage loan is between three thousandths and eight thousandths of the loan amount. At the same time, the seller needs to sign a letter of commitment to the bank, guarantee company or intermediary agency, and the buyer needs to issue a letter of guarantee to the bank.

4) After the application for re-mortgage is approved by the bank (generally it takes 5 working days) and the bank confirms that repayment can be made, the guarantee company or intermediary agency designated by the bank where the buyer applies for the loan will handle the repayment formalities with the relevant funds.

5) After completing the loan repayment procedures, the guarantee company or intermediary agency will cancel the mortgage registration for the seller.

6) After the mortgage cancellation formalities are completed, both parties shall go to the housing management department for transfer accompanied by the guarantee company or intermediary agency.

7) The guarantee company or intermediary agency will collect the real estate license on its behalf, and after mortgage registration, it will obtain the certificate of other rights and hand it over to the buyer.

4. Deliberately failing to repay bank loans is a fraudulent act, and the solution and consequences that cannot be repaid;

1) If it is really unable to repay, it shall negotiate with the bank to extend the repayment period or return it in installments.

2) If the bank fails to perform the judgment within the performance period after winning the case, it will apply for compulsory execution.

3) When accepting compulsory execution, property, vehicles, securities and deposits under the lender's name will be inquired according to law.

4) If the lender has no property to enforce and refuses to perform the effective judgment, negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Having the ability to refuse to execute a judgment or ruling.

Can a mortgage car be changed to a lender?

This is uncertain. It needs to be analyzed according to the specific situation. If the owner originally applied for a car loan from the bank, he can first consult the bank counter where the car loan can be replaced. If the bank agrees to replace the car loan repayment person, the user needs to bring ID cards, one-card cards and other related materials to the counter of the outlet to fill in the changed repayment person information, which is equivalent to selling the car to the next home. If he can do it for him, he needs to contact the local branch for confirmation.

If the owner handles the auto loan business in an auto financing company, it is necessary to ask the staff of the auto financing company whether it is possible to change the car repayment person. If the loan company agrees, the user only needs to negotiate with the loan company and replace the car repayment person according to the scheme given by the loan company, but the ownership of the car still belongs to the auto financing company for the time being.

If the borrower applies for a car loan in the bank, then it is necessary to go to the bank counter where the car loan is handled to check whether the borrower can replace it. If the bank agrees to change the borrower, it can apply for replacement and fill in the relevant information of changing the borrower. The original borrower needs to provide his valid identity certificate, loan contract and other relevant information. If the car loan is handled by an auto financing company, the borrower needs to consult the auto financing company first whether it can change the repayment person.

As long as the lending institution agrees to change the repayment person, the original repayment person needs to go to the counter to conduct face-to-face transactions with the repayment person behind, provide ID cards, loan contracts and other related materials, and fill in the application materials for changing the repayment person. After the repayment person changes the transaction, it is equivalent to transferring the car to another person, and the subsequent loan will also be borne by that person.

Usually, the term of car loan is as short as 6 months and as long as 5 years. Under the official car reform of Shanghai Industrial and Commercial Bank, the term of automobile consumption loan can be extended to 8 years at the longest. The loan period of Shanghai Agricultural Bank for self-use vehicles is 5 years, and the longest loan period for operating vehicles is 3 years.

Loan is one of the main ways to buy a car now. Although this way of buying a car can alleviate the economic pressure when buying a car to a certain extent, once you apply for a car loan, it means that you have to repay it on time every month, and the borrower needs to bear the monthly repayment pressure.

Cars are consumables, such as monthly fuel costs, parking fees, maintenance fees, etc. Buying a car is a big expense. Therefore, when applying for a car loan, you must be clear about your repayment ability and apply for a loan according to your actual situation, so as to avoid the decline in the quality of life caused by car loans, and what is more serious is that you cannot repay after the deadline.

—— The above content is taken from Baidu.

Can the mortgage house of CITIC Bank be changed to a lender halfway?

Under normal circumstances, the lender cannot be changed in the middle of mortgage.

If the lender can be changed at will, there may be unqualified users who ask qualified users to apply for mortgage on their behalf, and then change the actual lender after success, which is very risky for the bank and may lead to the situation that the loan cannot be recovered. Therefore, in general, it is not allowed to change the lender in the middle of the mortgage.