Can I transfer the loan to another bank during the loan process from Agricultural Bank of China?

Yes, if you have only paid the down payment but have not formally signed a loan contract with the bank, after comparing the loan interest rates of major banks , if you find that the current bank loan interest rate is relatively high, you can directly change the lending bank before the housing loan is approved; if the housing loan has entered the review stage, you cannot change banks midway.

Of course, there is no way to solve this. If you want to change banks, you only need to find a reason to accept your mortgage loan and the bank will have a chance. If a suitable bank is found, the borrower can transfer his or her mortgage bank. The borrower can bring the mortgage certificate, loan contract, repayment schedule and other information to the bank that issued the mortgage to apply for transfer procedures.

After the original commercial bank loan is approved, the lender later finds that there is a bank with a lower loan interest rate, so he can apply to change the loan bank. He can also find a guarantee company to pay off the money from the original loan bank, and then get the lower interest rate. Banks process loans. However, the main function of this business is that the borrower can transfer the original bank loan to another bank without transferring the property rights and keeping the loan balance.

Can I change my mortgage bank?

Can I change my mortgage bank? You can change banks for home purchase loans. Before changing banks, if the borrower finds a bank that is willing to accept the mortgage loan, and the bank to which the mortgage loan belongs agrees to transfer. Borrowers can bring their mortgage documents, loan contracts, repayment journals and other information to the bank that issued the loan to apply for a mortgage transfer.

Can the housing loan be transferred to a bank?

Question 1: After the housing loan contract is completed, can I switch to another bank? It will take a year.

Question 2: Can the housing loan be changed to a bank? 1. Since the real estate mortgage loan is registered as a mortgage in the real estate trading center, according to the guarantee law, the debt cannot be transferred. Therefore, if the landlord wants to change the bank loan, he can only Only after the Bank of China loan has been paid off and the mortgage registration has been canceled by Bank of China, can you get a loan from another bank.

2. According to my actual experience, it is not possible to switch to a provident fund loan. Today's banks do not allow this operation. If it is feasible, you can only apply for a provident fund loan after paying off the original commercial loan.

3. It is recommended that the poster make full use of online banking. For example, CMB online banking intra-city transfers cost 2 yuan each. You only need to spend 2 yuan per month to transfer money on online banking, which is more convenient than going all the way to Bank of China.

Supplement:

The poster misunderstood. What I mean is that you can use other banks, such as China Merchants Bank, to transfer funds to Bank of China’s bank cards, so you don’t have to go to Bank of China all the time.

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With the Bank of China bank card, you can now apply for online banking for free and receive a dynamic password (free of charge). You can use the Bank of China online banking to check whether the account has been received, and you can do it without leaving home.

Question 3: Can I change banks midway through my mortgage loan? Yes, it can be a business-to-business transfer. Fill out the application consent form at the counter of the original mortgage loan bank and submit it to the bank for approval. Employees who handle commercial-to-public transfer business across banks must obtain the commercial-to-public transfer collection account number from the original lending bank. Note: When making an application, you can consult a few detailed questions: 1. If the borrower keeps the original loan contract, mortgage contract, and IOU, it does not need to be stamped by the original lending bank. 2. Ask the original lending bank which locations in China can print repayment details and repayment plans. 3. Applicants who apply for business transfer from one bank to another must specify the collection account and collection time when applying on site. Experience: Real estate mortgages in banks also require a copy of the real estate certificate with an official seal. Some banks in China are not able to affix seals. If the copy of the real estate certificate with the official seal cannot be obtained at that time, you need to apply in advance, which usually takes 3-4 working days. China Merchants Bank only has a few post-loan service departments in Shenzhen that can print and stamp repayment details and repayment plans, so be sure to ask in advance. The repayment details and repayment plan require 12 periods, that is, you need to print the repayment details of the last 12 periods and the principal repayable, interest repayable, and the remaining principal of each period on the date of deduction for at least 12 months in the future. The gold repayment plan requires a stamp, which can be obtained immediately.

This answer is recommended by Zhang Ling, an expert in economic and financial classification

Question 4: Can I exchange a bank loan for a provident fund loan to buy a house? Yes, but you have to meet some conditions. Zhuancheng Guarantee

(1) Employees who have an urban household registration (including a blue-printed household registration or temporary residence permit), make normal housing provident fund payments, and have full capacity for civil conduct, have good personal credit, have a relatively stable job and income, have applied for a commercial housing loan, and Borrowers who repay the loan principal and interest on time can apply for converting commercial loans into provident fund loans.

(2) Employees who have applied for housing portfolio loans and have withdrawn housing provident funds when purchasing a house will no longer apply for transfer to provident fund loans.

(3) The original commercial loan must be processed at a provident fund loan bank outlet entrusted by the Municipal Housing Reform Fund Center. Housing commercial loans issued to individuals by non-provident fund loan entrusted banks cannot be converted into provident fund loans.

2. Conditions for refinancing

(1) The borrower of the provident fund loan and the borrower of the original commercial loan must be the same person;

(2) The original commercial loan has been repaid normally for more than one year, and there is no overdue repayment record provided by the lending bank;

(3) If the housing provident fund is withdrawn for the purchase and construction of a house, the normal payment must continue from the date of withdrawal. Deposit housing provident fund for more than 1 year;

(4) To apply for a provident fund loan, you must obtain the consent of the original commercial lending bank;

(5) The house for which a provident fund loan is to be transferred must be For residential development projects that have been registered with the Municipal Housing Reform Fund Center and have not yet applied for a "House Ownership Certificate" and a "State-owned Land Use Rights Certificate", the developer must provide a periodic guarantee or a "Certificate of Ownership of Commercial Housing";

(6) Agree to have a guarantee company recognized by the Municipal Capital Center provide guarantee.

3. Transfer loan amount, term, interest rate

Procedures for transfer to provident fund loan

(1) Consultation application. The applicant for refinancing should go to the original commercial loan bank to consult and receive the "Application Form for Conversion to Provident Fund Loan". After filling it out, attach the following relevant information and submit it to the original Commercial Loan Bank for processing:

① "Application Form for Conversion to Provident Fund Loan" ", "Housing Provident Fund Payment Certificate" or "Wuhan Housing Provident Fund Account Book" and "Economic Income Certificate" of both spouses;

② Original and copy of ID card, household register, and marriage status certificate of both spouses (If you are unmarried, you should provide a certificate of unmarried status);

③ The normal repayment record of the commercial loan and the proof of the remaining loan amount provided by the original commercial loan bank (provided by the bank);

④ Apply for the original The original "Commercial Housing Sales Contract" of Shangdai, the "Loan Contract" and the "Mortgage Contract" signed with the original Shangdai Bank.

(2) Submit the information for review. The lending bank shall review and verify all the information of the on-lending borrower and then submit it to the Municipal Capital Center for approval.

(3) Sign the contract. After approval by the Municipal Capital Center, the lending bank signs a provident fund loan contract and a mortgage contract with the on-lending borrower, and at the same time, the on-lending borrower signs a guarantee contract with the guarantee company.

(4) Pre-deposit of funds. Before the provident fund loan is issued, the refinancing borrower will use its own funds to deposit the difference between the provident fund loan and the original commercial loan balance into the special deposit account of the original commercial loan bank to settle the loan.

(5) Change insurance. The refinancing borrower takes the original commercial loan insurance policy to the insurance company to go through the procedures for changing the house insurance, and the insurance beneficiary is changed from the original lending bank to the municipal capital center.

(6) Fund transfer. The Municipal Capital Center allocates loan funds, and the on-lending bank issues provident fund loans while settling the original commercial loans and notifying the on-lending borrowers.

(7) Monthly repayment. The refinancing borrower will make on-time monthly repayments starting from the month following the settlement of the original commercial loan until the loan is paid off in full.

(8) Loan settlement: When the borrower settles the last loan, he should go to the lending bank in person and go through the loan repayment settlement procedures at the counter.

(9) Cancellation of mortgage: After the borrower has repaid the entire principal and interest of the loan, the borrower shall, with the settlement certificate and cancellation certificate of the house mortgage issued by the lending bank, the original house purchase contract or the original real estate certificate and personal ID card, to the original The real estate mortgage registration department handles the mortgage registration and cancellation procedures

Question 5: Can the mortgage loan be transferred? It can't be changed

The best solution now is for you to negotiate with him and let him give you the money and the house belongs to him. This is the simplest procedure.

If you insist on getting that house, the procedure is as follows

1. Pay off the loan first,

2. Buy it in your name.

Look at the two simple steps I wrote, but it’s really difficult to do it.

Question 6: Can I change a bank now if I bought a house with a bank loan? 1. If you choose a cooperative bank and have already issued a loan to you, the contract must be fulfilled, otherwise it will be a breach of contract, and your property has been mortgaged to the original cooperative bank and cannot be replaced.

2. There is a way to solve this problem, that is, you pay off the original loan bank in full, take out the real estate certificate, and go to another bank for mortgage, but this nature is no longer a mortgage, but a mortgage. It is a commercial loan and the term cannot be as long as a home loan.

Question 7: If the mortgage loan is not approved, can I change banks? If you apply before the transfer and the transfer has not yet been completed, you can change the bank. If the transfer has already been completed, you cannot change~

Question 8 : If I can’t get a house loan, can I change a bank? It should be possible, but generally developers have designated loan banks. After solving the problem, go to the bank and ask. It is impossible for the loan to be approved in one application. It has to be run 3.4 times haha! ! ! This is how you find someone to do things now! !

Question 9: Can I change banks if my home loan is not approved? You can change, but it’s useless because the banks’ evaluation systems are similar and the credit reporting systems are the same

Question 10: Bank cards for home loans Can it be changed to someone else's? If it is a personal loan handled by our bank, if you need to change the debit account number, you can call the customer service hotline or contact the loan handling bank to handle it, which will take effect immediately. If you need to add/change the second debit account, the account to be changed must be the borrower himself or *** a card account opened in the same city and under the same name as the debtor.

Can the loan be withdrawn to a bank card?

Loans can be withdrawn to bank cards. Most of the loans are directly approved to the bank card. For only a few loans, the loan funds are first approved to the loan account and then withdrawn to the bank card by the user. Users need to note that after the loan funds arrive, the lending institution will start charging loan interest. As for whether the interest will be charged starting from the day when the funds are transferred to the loan account, users should pay attention to check the stipulations in the loan contract.

Users can try to apply for a loan that is directly approved to the bank card, thus eliminating the need to withdraw cash to the bank card. Moreover, the loan funds are directly approved to the bank card, so users can intuitively know whether the loan has been successful. However, the loan funds are approved to the loan account and the user fails to withdraw the funds. In this case, the user still does not obtain the loan funds.

After the user's bank card receives loan funds, he or she must pay attention to repaying the loan on time. Failure to repay on time will result in overdue records and overdue interest, which will affect the personal credit report and increase the user's repayment burden. payment burden.