Generally, when the house purchase loan is not settled, the house property right is still in the bank. At this time, to conduct real estate transactions, the seller needs to go to the bank with the buyer to handle the loan business. After the refinancing business is completed, the mortgage loan will be transferred to the buyer's name. This buying and selling process is called mortgage refinancing. However, it should be noted that the lender must be a financial institution, otherwise it may constitute a crime. It is suggested that buyers and sellers must conduct transactions in formal financial institutions.
According to the relevant provisions of the Guarantee Law, mortgage registration is required for real estate mortgage, and buyers generally buy faster houses. They have not obtained the real estate license when they apply for house purchase and loan, so they cannot apply for mortgage registration. Therefore, at present, personal housing loans generally take the form of "phased guarantee plus mortgage loan", that is, before the mortgage registration of mortgaged real estate, the developer provides guarantee for the lender (purchaser), and after the mortgage registration is completed, the developer's guarantee is terminated. If the purchased property has been registered as a mortgage loan, you can "refinance" without consulting the developer and obtaining the consent of the loan bank.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
When issuing secured loans, we should carefully investigate the relationship between the borrower and the guarantor. The borrower and the guarantor belong to the same group company, and the loan should be strictly examined. The guarantee provided by the branch of a non-independent legal person is invalid. The loan relationship only occurs between the parties. For loans that greet leaders, relatives, friends, classmates and comrades-in-arms, the loan conditions shall not be relaxed. Do not meet the loan conditions, no loans.