Loan refers to the transfer of the original loan to a new lending institution or new loan product. Lending is generally to obtain more favorable loan conditions or lower loan interest rates. If you want to transfer the loan, you can usually follow the following steps:
1. Select a new lending institution or new loan product, and determine the loan conditions and loan interest rates.
2. Apply for reloaning to a new lending institution or new loan product, and provide relevant loan materials.
3. Waiting for new lending institutions or new loan products to apply for review.
4. Sign a new loan agreement and provide relevant guarantee materials.
5. Provide loan transfer fees to new lending institutions or new loan products, and pay relevant taxes and fees.
6. Pay off the original loan and start repayment according to the new loan agreement.
Before transferring loans, it is suggested that you carefully compare the loan conditions and loan interest rates of several loan institutions or loan products and choose the most suitable scheme. At the same time, refinancing may also bring some risks. I suggest you fully understand the relevant terms of refinancing and take precautions against risks.