Mortgage refinancing means that a mortgage loan has been made in the bank, and then the liquidity of a loan is regained through the mortgage house. So what is the mortgage refinancing process? Let's take a look with Bian Xiao! \ r \ n 1。 What are the refinancing procedures for mortgaged houses \r\n 1? The borrower submits a loan application to the bank with relevant documents. Specific information includes: ownership certificate of the mortgaged property of the real estate license, applicant's ID card, household registration book, marital status certificate, income certificate, and spouse's ID card and income certificate if necessary; Proof of loan use. \r\n2。 The buyer and the seller open an account in a loan bank, and the buyer deposits the down payment in full into the account designated by the bank. \r\n3. After the approval of the bank, the borrower signs a loan contract and a loan deduction authorization letter with the bank. \r\n4。 Go through the formalities of house transfer, notarization and mortgage registration. \r\n5。 Ownership certificate transfer, that is, the borrower will mortgage the house ownership certificate, other house ownership certificates and the insurance policy of the purchased house to the bank for mortgage. \r\n6。 After all formalities are completed, the bank will transfer the loan to the account opened by the borrower, and transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the Transfer and Deduction Authorization. \ r \ nII。 Matters needing attention in remortgaging houses \r\n 1. First, you must confirm whether you can get the loan. You can check with the credit management department. If you have a bad credit record or overdue credit card arrears, it is generally difficult to get a loan. \r\n2。 If you have already gone through the loan formalities at the bank, you should properly keep the unwrapped contracts and IOUs to avoid losing them. \r\n3. When handling the loan formalities in the bank, the borrower should provide accurate address and other information. If he moves to a new house, he must inform the loan bank of his new contact address and contact information, otherwise it will affect the borrower's timely enjoyment of various services provided by the bank. \ r \ Overview of Bian Xiao: The above is related to the process of refinancing and matters needing attention in refinancing. I hope it will help everyone.

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