Generally speaking, the repayment method of housing loans cannot be changed. After the borrower signs a loan contract with the bank and determines the repayment agreement, it is generally impossible to change the loan repayment method. However, the requirements of different banks will be slightly different, and borrowers can consult the staff of the loan bank. Because the repayment method of housing loans is usually impossible to change, borrowers need to choose the appropriate personal repayment method according to their own specific conditions when handling mortgage loans to prevent excessive repayment pressure. The above is the relevant content of whether the mortgage repayment method can be changed.

What should I pay attention to when handling housing loans?

1. Be sure to have ID cards, household registration books, bank accounts, payrolls, down payment receipts and other related materials, and provide accurate and consistent materials to prevent incomplete or incorrect materials from affecting the approval of housing loans;

2. Apply for an appropriate loan amount according to the total house price, actual fund situation and repayment ability. If you apply for a personal provident fund loan, you should comprehensively consider the balance of the provident fund;

3. Apply for personal provident fund loans, and try not to use the provident fund at will before applying;

4. If the family has more debts, you can pay off the debts before applying for a housing loan, or pay off the previous part to reduce the personal debt ratio;

5. Choose an appropriate repayment method. The repayment method of equal principal and interest requires higher economic level, because the initial repayment pressure is higher, which is suitable for users with a certain economic foundation.

Can a house with a mortgage get a second loan?

A house with a housing loan can get a second loan, and users can apply for a loan directly at the bank. If users have a loan to buy a house and repay the loan within a period of time, they can apply for a loan in the same bank, which is equivalent to what users often call two mortgage. Take the construction behavior as an example. If the borrower applies for a loan to buy a house in this bank and has repaid the loan for a period of time, he can apply for two mortgage in this bank if the house property has excess value, and the mortgage rate can reach 90% at the highest.

What should I do if the mortgage is not paid because of the epidemic?

During the epidemic, if the mortgage is not paid, users can apply to the loan bank for deferred repayment. Users need to inform the lending bank of the main reasons and apply to the bank for deferred repayment, so that they can temporarily not repay the arrears. Users who can't repay their housing loans on time due to the COVID-19 epidemic can prevent their housing from loans overdue by extending the repayment time, extending the loan period and adjusting the billing plan. This paper mainly writes about the knowledge points about whether the mortgage repayment method can be changed, and the content is for reference only.