Conditions for applying for a loan:

1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

2. What should I do if the mortgage is transferred from my name to someone else's name?

Conditions for applying for a loan:

1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

3. Can the mortgage be transferred to someone else's name?

The mortgage can be transferred to someone else's name, but only if the mortgage is transferred. The borrower needs to apply to the original loan bank for the transfer of the personal housing loan that will be mortgaged to the bank, that is, to change the loan term and the borrower, that is, to change the borrower. If the borrower changes, the borrower will naturally change. Can the mortgage be repaid in advance? 1, paid off in full in advance. Mortgaging usually means that the borrower directly transfers the mortgage from Bank A to Bank B in order to enjoy a more favorable interest rate. The general process of refinancing mortgage is: (1) Bank A will generally implement the preferential interest rate of 10%- 15% for mortgage customers who buy houses for the first time this year. (2) Bank B has launched a mortgage business with a preferential interest rate of 30%, and normal customers can apply to the bank. (3) Bank B reviews the credit of the property and the borrower. (4) After approval, Bank B contributes to settle the user's loan in Bank A. (5) The user handles the mortgage business in Bank B and enjoys the latest preferential interest rate. For the house transferor, it is mainly necessary to provide the Application Form for Lending, the original and photocopy of valid ID card, the original loan mortgage contract and the application form for prepayment. The buyer needs to prepare all the information of ordinary mortgage and sign the transfer contract, agreement or letter of intent with the original borrower. Tips for refinancing: __ 1. Find a new bank, and find a receiving bank that can give mortgage a greater interest rate discount. 2. Bring all the application materials, including the original loan contract, house purchase contract, copy of real estate license (no copy), original ID card, income certificate and repayment record (usually a copy of the passbook for monthly payment deducted by the bank), and fill out the application form for "remortgage" at the receiving bank outlet. __3. Credit inquiry. After the application, if you want to "re-lend", you must authorize the receiving bank to inquire about the "personal credit file". __4. Records should be good. If there is no malicious loan default record in the applicant's personal credit record, the accepting bank will generally make a decision to accept the "re-mortgage" within 7 working days, and will notify the applicant by phone at the same time; If there is a record of loan default or credit card off the charts in the personal credit record, the accepting bank may refuse to accept the "remortgage". 5. Repayment in advance, after obtaining the consent of the receiving bank, apply to the original loan issuing bank for full repayment in advance. Because many banks require to apply for "full repayment in advance" one week in advance, this process takes about half a month. __6. Sign a new contract, pay in full at the original loan issuing bank in advance and get back the mortgaged real estate license, and then sign a new personal housing mortgage loan contract at the receiving bank outlet. __7. Re-apply for a mortgage. Take the real estate license, the full repayment certificate (issued by the original loan bank) and the personal housing mortgage loan contract signed with the receiving bank, and go to the housing mortgage registration department where each house is located (generally at the Housing Fair) to go through the mortgage formalities first, and then go through the new mortgage procedures. 8. Submit the formalities to the bank, and hand over the real estate license, mortgage cancellation procedures and mortgage procedures to the receiving bank.

4. Can the transfer of creditor's rights be transferred to others?

Credit loans can be transferred to others, such as buying someone else's house and paying the house price. When the loan funds are released to the bank card, the user can directly use the bank card to complete the transfer. Because the use of credit loans is not as strict as that of consumer loans, users are allowed to transfer money and lending institutions are also allowed. Of course, if the lending institution stipulates that loan funds cannot be transferred, then users cannot transfer funds with loan funds.

The bank card used to apply for a loan may have a certain balance before, and this balance can be transferred regardless of whether the loan application is successful or not.