You can't change rooms after the mortgage is completed. Now that the mortgage has been completed, the relevant contracts and mortgage procedures have been completed, and it is impossible to change rooms.

The main feature of a mortgaged house is that the property right of the house is mortgaged to the bank, and the property owner may not sell the house without authorization. In order to realize investment or financing, more and more buyers want to transfer mortgaged houses in second-hand housing transactions.

Mortgage: There are two forms: legal mortgage and legitimate mortgage. Legal mortgage: refers to the transfer of existing real estate to the mortgagee as repayment guarantee; Righteous mortgage is to transfer the future real estate (such as uncompleted residential flats) to the mortgagee as a repayment guarantee.

The extended information (1) refers to the transfer of the loan owed by the property owner (the previous one) to the next one, and the original mortgage relationship is terminated, and the next one re-mortgages the house purchased by the bank.

situation

This transfer method needs to meet the following conditions:

1. Allow mortgage banks to repay loans in advance and establish secondary mortgage business with designated secondary mortgage guarantee institutions;

2. The next home has the loan conditions stipulated by the bank;

3. The amount of the next loan is limited. Generally speaking, it is difficult to succeed if the loan amount of the next home exceeds or is significantly lower than the loan amount of the mortgage.

Transaction process

The transaction process can be summarized as follows: intermediary entrustment-preliminary examination-signing sales contract-applying for remortgage-transferring mortgage.

Baidu encyclopedia-mortgage house