Buying a house in full can also be mortgaged. The borrower should find the receiving bank, bring relevant information to the bank to fill in the application form for re-mortgage, sign a new mortgage loan contract after the bank has passed the examination, and finally go through the mortgage formalities at the house mortgage registration department.

legal ground

Article 32 of the general principles of loans

The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract. The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit.

Article 53

The lender shall require the borrower who transfers the property right with compensation or applies for dissolution to pay off the loan debt before the property right transfer or dissolution.