Personal housing refinancing generally occurs between the same banks. Among them, the specific process of "refinancing" operation of China Industrial and Commercial Bank Beijing Branch is as follows:

First of all, the bank will re-examine the legality of the "mortgage house", re-examine the repayment ability of the new buyer, that is, the new borrower, according to the income of the new buyer, and determine the loan amount, term and interest rate of the new buyer.

Secondly, the bank verifies the qualification of the new guarantor or implements the new collateral.

Third, after the new buyer has passed the audit, if the property certificate of transfer has not been processed, then the new buyer can sign a new purchase contract with the developer; If you have already applied for a real estate license, then new and old buyers can directly sign a purchase contract.

Fourth, if the new buyer uses the newly purchased property as collateral, he must re-insure the collateral.

Fifth, the bank and the new buyer re-sign loan contracts, guarantee contracts and mortgage contracts for the new loan amount and collateral, go through mortgage registration procedures and issue loans. At the same time, terminate the original loan contract, recover the original loan and cancel the original mortgage registration procedures.