The process of changing the loan house into mortgage is as follows:

1. First, the original lender must apply to the bank. If the bank supports the refinancing procedure, it can continue to handle it. If the bank does not support it, it cannot handle it.

2. Banks should be inspected according to the requirements of banks. If approved, the bank, seller and buyer need to sign an agreement. The bank agreed to the seller's transfer, and the seller promised to repay the bank loan with the house payment first, and then the buyer transferred the house payment to the seller's bank account.

3. Buyers and sellers need to sign a contract for the sale or transfer of houses, carefully check the terms in the contract, and clarify the rights and obligations of both parties, especially the liability for breach of contract.

4. The purchaser can apply for a mortgage loan from the bank, and the specific loan amount needs to be determined after the bank reviews.

5. The bank will review the qualifications of the buyers and sign a new loan contract and house mortgage contract after it is correct.

6. The bank assists the seller in the mortgage cancellation registration, and then the buyer and the seller can go through the house transfer procedures.

7. After the bank has gone through the mortgage registration formalities with the new buyer, the house loan can be issued.

Yoshiya real estate encyclopedia, buying a house needs more knowledge.

Can mortgage be refinanced?

Mortgage can be lent, and the lending process is as follows:

1. After reaching an agreement, both parties sign a house purchase and sales contract;

2. Submit the remortgage to the bank with the consent of the lending bank, and submit relevant materials and guarantee fees;

3. The buyer looks for a guarantee institution and issues a guarantee power of attorney, and the seller issues a sales commitment letter to the bank, guarantee institution or intermediary institution;

4. After the approval of the bank, the seller goes to the bank to handle the loan repayment procedures and cancel the mortgage registration procedures;

5, the housing management department for real estate transfer procedures;

6. Property buyers can sign loan contracts at loan banks and handle mortgage registration and other related procedures.

There are some differences in the process of each bank, which shall be subject to the provisions of the lending bank.

Can the mortgaged house be refinanced?

Yes, the house bought with the loan is sold, and the loan must be transferred together. The loan transfer is called remortgage, but it must be handled in the form of sale.

If it is the full amount, giving the money directly to the bank is equivalent to paying back the money for the seller, and then taking out the house book from the bank and transferring it to the construction Committee. If it is a loan, you need to go to the bank to handle a mortgage transfer procedure, and then transfer the ownership. There are certain procedures to be followed in transferring mortgage loans. Because it involves the interests of three parties, its handling procedures are relatively complicated. According to relevant regulations, the handling procedures mainly include. The buyer and the seller sign a house sale agreement or a house sale contract, and eligible buyers apply for loans from the loan bank and provide relevant certification materials.

The buyer and the seller go to the appraisal institution designated and recognized by the loan bank for house appraisal, and the law firm authenticates, investigates and analyzes the borrower's credit certification materials and appraisal report, and issues legal opinions. The loan bank examines and approves, informs the loan applicant whether to agree to the loan, and the buyer and seller go through the formalities of property right transfer. After the transfer, the borrower goes to the bank to handle the loan procedures. The buyer and the seller will send the transferred house ownership certificate to the loan bank for mortgage registration, and the borrower will repay the loan on a monthly basis.

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Disadvantages of full mortgage payment

There is a great pressure on funds. If it is not sufficient, after all, the one-time investment is very large, which may affect other investment projects of consumers.

Investment risk is high unless you have a good understanding of its real estate projects, including building quality, developer technology and financial strength. This requires buyers to have a considerable level of technical expertise, which is beyond the reach of ordinary people.

Advantages of mortgage loan

Spend tomorrow's money to realize today's dream. Mortgage is a loan, that is, borrowing money from the bank. You don't have to spend a lot of money to buy your own house right away, so the first advantage of mortgage to buy a house is that you can buy a house with less money.

Using limited funds to make multiple investments, from the perspective of investment, mortgage buyers can invest their own funds separately, use loans to buy a house for renting, renting and supporting loans, and then invest, so that they can use funds flexibly.

The bank will check for you. The loan is borrowed from the bank, and the bank naturally cares about the quality of real estate projects. In addition to reviewing your mortgage loan itself, the bank will also help you review the developers and help you check the customs, which is natural and safe.