Call your mortgage lender and ask about the specific operation. I asked the feasibility first, and the manager said no problem. I believe all banks are similar.
Prepare materials, just like your previous mortgage, including (husband and wife ID card, household registration book, marriage certificate, income certificate, 1 year bank flow, house purchase contract).
Make an appointment, just make an appointment online like me.
Sign a supplementary contract. This contract is a bit fierce, and it will be much simpler than the loan contract at that time. Just fill in some basic information and the contract number to be changed. The most important thing is to check some loan conditions to be changed, such as extension of time, early repayment and repayment methods. All these, one contract, are very convenient and quick.
After signing the contract, I am waiting for the bank to lend money. There should be basically no problem.
Extended data
Average mortgage interest rate
Average interest rate
Current benchmark interest rate, current preferential interest rate and preferential interest rate before benchmark interest rate adjustment.
10 fixed rate loan 8.613% 6.930% 7.953% 7.099%
20-year fixed-rate loan 8.811%7.580% 8.121%7.246%
Five-year floating rate loan 5.760% 4.032% 5.918% 4.204%
30-year floating rate loan 5.940% 4.158% 6.098% 4.350%
Mixed interest rate loan with fixed term of 3 years 7.200% 6.120% 8.045438+0% 7.069%
Mixed interest rate loans with a fixed term of 5 years 7.290% 6.660% 8.121%
References:
Mortgage loan-Baidu encyclopedia