I have a question: a house should have a certificate of other rights for the registration of existing mortgage, which should be held by the bank. If you want to cancel the mortgage registration or real estate license, you must cancel other warrants first.

If the bank does not agree and does not provide other warrants, how can it be cancelled?

The information you provided is not clear, so I am not easy to judge. The Land and Resources Bureau can only cancel the land certificate, and the Construction Committee has nothing to do with the house. The real estate license can only be cancelled by the Housing Authority.

There is another possibility, that is, at present, your real estate has only been mortgaged for a faster period of time, but not for a price-limited house (the price-limited house mortgage can only be handled with a real estate license), so in this case, it is possible for you to cancel the real estate license.

But it doesn't matter. The cancelled real estate license can be re-processed. It didn't work.

The bank does not agree to change the loan contract because the collateral has changed, that is to say, the whole loan itself is completely different from the original.

According to the normal channels, you have to settle the original mortgage loan, go through the check-out procedures, re-sign the purchase contract and re-apply for the mortgage loan.

As far as I know from several banks that make frequent phone calls, only such a procedure is correct.

But you said that the provincial branch said it could be handled, and the municipal branch said it could not. It is not excluded that this service cannot be supported due to system reasons.

You'd better know more about it.

Also consider the method I provided.

In addition, I can't help but criticize you: why don't you think clearly about buying a house?

I hope I can help you! The answer comes from: Baidu real estate exchange group, so stay tuned!