Mortgage can be converted into a loan bank, but it needs the consent of the relevant bank. If the bank is willing to accept the mortgage, it can apply with the mortgage certificate, loan contract and personal information. But in most cases, the bank has suspended this business, so the house in the mortgage stage cannot be converted, and the bank cannot replace the mortgage applicant. If you want to sell a house in the mortgage stage, you need to pay off the loan before you can handle it.

Bank mortgage loan process:

1. Submit a mortgage application.

Prepare relevant information according to the requirements of the bank and fill in the mortgage application form.

2. Wait for the bank's audit results.

After the bank's "Application for Mortgage Loan" is approved, it will sign a purchase contract with the developer.

3. Sign a house mortgage contract.

After signing the house purchase contract, you need to sign a mortgage loan contract with the bank with the original house purchase contract, down payment voucher and related materials, and the amount, term and repayment method of the loan will be clearly stipulated in the contract.

4. Open a special repayment account to start repayment.

If the Housing Authority successfully files a case, it will open a special repayment account for the applicant and deduct the monthly payment from the account every month. Yoshiya real estate encyclopedia, buying a house needs more knowledge.