If the mortgage is not paid off, you can refinance. The outstanding mortgage does not affect the loan application. As long as the borrower has good personal credit, can provide enough information to prove that he has the ability to repay the loan on time and meet other requirements put forward by banks or lending institutions, it is also possible to make a mortgage. Moreover, the debt ratio is too high, and customers can also choose to pay off part of their debts before applying for a loan.

Matters needing attention in buying a house by loan

1, remember to repay on time.

After the loan is processed, you must remember to repay it on time. Many people apply for provident fund loans. Lenders should not only pay attention to transfer money to the repayment account on time and at a fixed amount, but also pay attention to whether the work unit helps you pay the provident fund in time. Otherwise, there may be a registration of late repayment, thus leaving a bad credit record for credit investigation.

2. Don't repay the loan in advance if the loan is less than one year.

When buying a house with a loan, there was not enough money at that time, but some buyers would choose to repay in advance to reduce the economic pressure and shorten the loan period, thus reducing the interest paid. However, if the prepayment is less than one year, the bank will charge liquidated damages, which will not only save money, but also waste more money.

Don't forget to find the bank around you if you have difficulty in repaying the loan.

Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

The process of buying a house with a loan

1. First, sign a house purchase contract with the developer. At this time, it is necessary to check whether the developer has "five certificates": state-owned land use certificate, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit.

2. Then you have to pay the down payment, and pay attention to keep the down payment receipt. You need to go to the bank to fill out the application form for personal housing loan. Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers.

3. Bring the original and photocopy of the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts) and income certificate to the bank to fill in the personal housing loan application form.

4. The credit personnel of the loan bank will review and approve the materials submitted by the applicant step by step. If it is considered to meet the conditions of bank loans, the applicant shall be notified to sign a personal housing mortgage loan contract, and the contract period shall not exceed 30 years.

5. The property buyer went to the Housing Authority to apply for the certificate of other rights of the house, which proves that the property has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance. The above procedures will generally be handled by the bank.

6. Open a loan repayment account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.

7. The bank pays the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.

8. The borrower in mortgage to buy a house must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can repossess the house according to law. After mortgage to buy a house's loan principal and interest are settled, cancel the mortgage registration, and you will become the real owner of the house.