Legal analysis: the remortgage business involves the change of old and new mortgage loans. It is suggested that the buyers and sellers of remortgage should consult or operate through professional intermediaries, and professional brokers should provide a more reasonable remortgage operation plan. Because the seller's house is still in the mortgage period, it is impossible to make a second mortgage, so it is necessary to issue a second loan to pay off the seller's first loan, and the house property right can only be transferred after the mortgage is released and the property right certificate is obtained.

Legal basis: general rules of loans

Article 41 Establish a loan grading examination and approval system:

The lender shall determine the approval authority of branches at all levels according to the business volume, management level and loan risk, and the loans exceeding the approval authority shall be reported to the superior bank for approval. Branches at all levels shall determine the risk of each loan according to the loan type, borrower's credit rating, collateral, pledge and guarantor.

Article 45 A borrower shall not illegally evade bank debts or misappropriate credit funds by means of merger, bankruptcy or shareholding system reform. It is not allowed to evade the lender's credit supervision and repay the loan principal and interest by contracting or leasing.