After the real estate license is mortgaged to the bank, the unpaid mortgage cannot be transferred; Transfer must apply for early repayment, take out the real estate license to release the mortgage status, then transfer the ownership to the wife without much cost, and then apply for a loan from the bank. But you can't apply for mortgage loan in this way, you can only apply for bank mortgage loan. The longest term 10 year, the interest rate is 30-50% higher than the mortgage loan, generally 6.55%, so there is no need to transfer the ownership to your wife, and there is no need to repay the loan in advance as evidence.

When you mortgaged in Beijing, your house was already reflected in your personal credit report. Therefore, buying a house again is the second suite. According to the second suite policy, the down payment is 60% and the mortgage is 40%. The loan interest rate will definitely go up more, depending on your local loan policy.

If you want to operate the second set to do the first set, please consult the local loan contractor in Tianjin (the real estate company certificate Commissioner who sells the house). It's impossible to ask the sales staff, they don't even understand the loan themselves.

Or buy a second-hand house and find a loan agent or a real estate agent to operate.

I am a loan agent in Chongqing.