"Mortgaging" refers to a loan in which a borrower who has applied for a personal housing loan in a bank applies to the original lending bank for extending the loan term, or sells or transfers the personal housing mortgaged to the bank to a third person, and applies for changing the payment term of the personal housing, changing the borrower or changing the collateral. Change the borrower's abbreviation as "mortgage", extend the original loan term as "mortgage" and change the collateral as "mortgage".

At present, it is required to pay off the bank loan before the next buyer can apply for mortgage loan from the bank. The procedure of remortgage is as follows: (1) The borrower applies to the bank for remortgage, and at the same time submits the following materials: (1) The original house sales contract; ② The down payment receipt of the new borrower issued by the original borrower or the house sales organization, with the down payment amount not less than 30% of the house purchase price; ③ Personal information of the new buyer. (2) If approved by the bank, the bank will sign a new personal housing mortgage loan contract with the new borrower. (3) The new borrower goes through the loan insurance formalities. (4) Go through the alteration registration procedures such as the cancellation of the original mortgage registration, the registration of the sales contract and the entry into force of the new mortgage registration. (5) After the mortgage registration formalities are completed, the bank will issue the sub-mortgage loan. (6) The bank will hand over the original loan insurance policy of the original borrower to the original borrower, and the original borrower will go through the formalities of surrender.