Banks such as China Merchants Bank, Bank of China and China Construction Bank can all transfer to bank mortgage in 2022. To transfer a mortgage loan, you need to bring the information required by the original borrower: a copy of the ID card of the borrower and the same shareholder; Original property certificate; The original loan contract (mortgage contract); Copy of bank repayment card or bank passbook; A contract to buy and sell a house.

What are the procedures for banks to refinance mortgages?

1. The buyer and the seller sign a house sales contract * * *;

2. The security guarantee contract for the sub-mortgage transaction shall be jointly signed by the buyer and the seller and the law firm.

3. The buyer needs to pay a deposit of 30% of the house price (within one year, the original price will not be assessed);

4. One-time prepayment confirmation letter issued by the seller's loan bank (including repayment principal and interest and payment account number);

5. According to the above information and personal credit information, the buyer applies to the loan bank for a second-hand house mortgage loan (submit the information, the lawyer will conduct preliminary examination and the bank will review it);

6. The seller delivers the house to the buyer in kind;

7. Transfer the money to the seller's bank after it is approved by the bank;

8. After receiving the payment, the seller shall cancel the loan contract with the original lender, go through the mortgage formalities, and transfer the house to the buyer's lender with the assistance of the buyer and lawyer;

9. The buyer shall pay the lender a deposit of 30%.