Conditions for refinancing mortgaged houses

1. 18 to 65-year-old China citizens with valid identity documents.

2. Have a proper occupation, a stable income, the ability to repay the loan principal and interest in full and on time, and a good credit record.

3. Agree to mortgage the property and its rights and interests in the name of an individual as a condition for loan issuance.

4. It has a legitimate financing purpose.

Mortgage information

1, property certificate and other collateral ownership certificates.

2. ID card, household registration book and proof of marital status of the applicant and spouse.

3. Proof of income of the applicant and his spouse.

4. Relevant certificates of loan use.

5. Other relevant information required by the bank, bank interest rate and repayment method.

(1) The bank interest rate is subject to the commercial loan interest rate stipulated by the People's Bank of China for the same period or fluctuates appropriately;

(2) If the loan term is less than one year, you can choose to repay the principal and interest on a monthly or quarterly basis, and repay the principal in one lump sum at maturity; If the loan term is over one year, you can choose to repay the principal and interest on a monthly basis or repay the principal.

Steps of refinancing mortgage house

1. Information provided by customers

Evaluate real estate

3. The bank shall review the information and handle relevant formalities.

4. Redeem the building and release it.

5. Mortgage registration

6. Restart repayment.