1. Find the receiving bank;

2. Bring relevant application materials and fill in the application form at the outlet of the handling bank;

3. The receiving bank will review the applicant's credit and give a solution;

4. Apply to the original loan bank for early repayment and settle the loan in full;

5. Cancel the mortgage registration procedures and sign a new mortgage loan contract;

6. Re-register the house mortgage and hand over the receipt and related materials to the new mortgage bank.

The mortgage transfer process is as follows:

1. Make a definite application, and the applicant will bring the identity documents of both husband and wife to the loan bank to make a husband and wife credit statement. The original borrower and the new borrower need to go to the bank to explicitly apply for loan;

2. Real estate appraisal, the borrower needs to go to the real estate appraisal institution designated by the bank for appraisal;

3. Bank audit, in which the bank reviews the bank credit certification materials submitted by the new borrower;

4. Sign the contract. After approval, the new borrower signs a loan contract with the bank;

5. Cancellation of mortgage requires the original borrower to cancel the mortgage registration;

6. When the house is transferred, the original borrower needs to transfer the house to the borrower;

7. Handle arrival details. After the property is transferred, the new borrower needs to register the details of the account;

8. Bank loans. After the mortgage is completed, the bank will lend money.

Legal basis: Article 2 of the Measures for the Administration of Individual Housing Loans.

Personal housing loan (hereinafter referred to as loan) refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.