Just change someone else.

Second, can the mortgage lender change people?

The mortgage lender cannot change the loan after signing the loan contract. If the loan contract has not been signed, he can apply to the bank for change, but some banks will refuse.

3. Can the mortgage lender be changed?

The borrower who repays the mortgage cannot be changed. If you want to change it, you must go through the same procedures as when you first applied for a loan. You need to give the new borrower's materials to the bank to apply for a loan, and before that, you have to pay off all the debts owed by the bank before you can lend again. Unless it is between husband and wife or in the case of divorce, some banks can change the mortgage repayment person, but they need to pay a handling fee.

If it is a housing provident fund loan, before the termination of the individual housing provident fund loan contract, the borrower's spouse, heir to the housing ownership or legatee may apply for changing the repayment method of the housing loan: (1) the borrower divorces and the housing ownership is transferred to the spouse; (2) The borrower has completely lost the capacity for civil conduct; (3) The borrower is dead or declared dead.

Fourth, can I get a personal loan if I can't get a mortgage loan? Only in this case can it be done.

The most annoying thing about buying a house with a loan is that you owe a house sales contract and pay a down payment, but the mortgage can't be done. If you want to cancel the purchase contract, you have to pay liquidated damages. Then, in this case, can I change my personal loan? Let's have a look.

This can be exchanged for a personal loan, but it may not be exchanged for a personal loan, which needs specific analysis. 1, you can change personal loans: if two people buy a house with the same loan, and this is one of the owners, but one is the main lender and the other is the sub-lender. If the primary lender can't get the mortgage loan, it can change the secondary lender to the primary lender and then make a loan. In this case, you can directly change the personal loan without canceling the house sales contract. 2. Can't change a loan: If you only have your own loan, you can't change a loan, because the qualifications are not enough, such as the information provided is untrue or the credit history of the buyers is not good, so the mortgage can't be approved. After all, the mortgage lender must be the owner of the house. If the personal loan is changed, the name of the owner of the house must be changed. Otherwise, it is fraudulent to buy a house for yourself in the name of others. In this case, if you want to change your personal loan, you can only cancel the purchase contract with the developer first, and then let the developer re-sign the contract with others. It should be noted that if the purchaser fails to return the house due to his own reasons, he usually needs to pay a penalty of about 10%~20% of the total house price, which will be deducted from the down payment and the rest can be returned. Can I get a personal loan if I can't get a mortgage loan? . In short, no mortgage may not be able to change personal loans, so it is best for buyers to know their qualifications before buying a house. If the qualification is not enough, we can improve the mortgage approval rate by increasing the down payment ratio, increasing the number of borrowers and finding a guarantee company.