1. It is almost unrealistic to change the lender after the bank loan is approved and issued. When we apply for a loan in a bank, the bank will conduct a very detailed and perfect audit of the borrower's credit status, repayment ability and collateral. At the same time, according to the borrower's conditions, choose loan issuance and loan details, such as loan term. The same loan application, if you want to change lenders, is very risky for banks, which can almost be defined as loan fraud. No matter from the perspective of risk control, it is impossible to change the lender for the approved bank loan. If it is necessary to change, you can submit the new borrower's materials to the bank for review as you did when you applied for a loan for the first time, and pay off all the previous bank debts before you can borrow again.

If you want to change the borrower, you must go through the same procedures as when you apply for a loan for the first time. You need to give the new borrower's materials to the bank to apply for a loan, and before that, you have to pay off all the debts owed by the bank before you can borrow again. Unless it is between husband and wife or in the case of divorce, some banks can change the mortgage repayment person, but they need to pay a handling fee.

3. If the mortgage loan changes the bank loan repayment person, the specific operation process is as follows:

1) The buyer and the seller sign a sales contract to confirm in advance whether the buyer has the ability to repay the loan.

2) When the bank agrees to the buyer's loan, it chooses to apply for peer-to-peer lending or interbank lending (note: if the seller repays less than one year, it generally chooses peer-to-peer lending or interbank lending; If it has been one year, you can choose to transfer money across banks).

3) The buyer applies to the bank for refinancing, submits relevant materials and pays relevant fees, including guarantee fees (the normal lending time of the bank is within three working days after the transfer). Banks usually designate their recognized guarantee companies or intermediaries to undertake the guarantee responsibility of advance payment. That is, after lending money to the buyer, if the seller defaults or the buyer defaults, resulting in the house not being sold, the guarantee company or intermediary agency shall be liable to the bank for compensation. The resulting guarantee fee in the re-mortgage loan is between three thousandths and eight thousandths of the loan amount. At the same time, the seller needs to sign a letter of commitment to the bank, guarantee company or intermediary agency, and the buyer needs to issue a letter of guarantee to the bank.

4) After the application for re-mortgage is approved by the bank (generally it takes 5 working days) and the bank confirms that repayment can be made, the guarantee company or intermediary agency designated by the bank where the buyer applies for the loan will handle the repayment formalities with the relevant funds.

5) After completing the loan repayment procedures, the guarantee company or intermediary agency will cancel the mortgage registration for the seller.

6) After the mortgage cancellation formalities are completed, both parties shall go to the housing management department for transfer accompanied by the guarantee company or intermediary agency.

7) The guarantee company or intermediary agency will collect the real estate license on its behalf, and after mortgage registration, it will obtain the certificate of other rights and hand it over to the buyer.

4. Deliberately failing to repay bank loans is a fraudulent act, and the solution and consequences that cannot be repaid;

1) If it is really unable to repay, it shall negotiate with the bank to extend the repayment period or return it in installments.

2) If the bank fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement.

3) When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

4) If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, it will record negative information such as overdue repayment in the personal credit report, restrict high consumption and entry and exit, and may even lead to judicial custody.

Having the ability to refuse to execute a judgment or ruling.