First, change immediately.
When the bank changes the main lender, it will change immediately after the bank agrees. The borrower can change the borrower. 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.
2. Housing accumulation fund
Because financial institutions have considered the income and repayment ability of the main lender and the repayment person when reviewing the materials, they clearly have strict requirements for the main lender and choose to issue loans after integrating the comprehensive conditions of the main lender and the repayment person. So now, once a borrower is changed, financial institutions have the right to doubt the borrower's repayment ability, and they will not take this risk. 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 ownership of the house or legatee may apply to change the borrower of the housing loan.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
1, bank loan
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit. In different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
2. Reasons for borrowing
In the process of applying for a loan, the borrower should be frank and clear about the reasons for the loan, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.