1. The process of transferring mortgage to mortgage is as follows:
(1) The original borrower applied to the bank;
(2) With the approval of the bank, the bank, the seller and the buyer signed an agreement, and the bank agreed to the seller's transfer of the house. The seller promised to give priority to the repayment of the bank loan and authorized the bank to directly deduct the outstanding loan principal and interest from its account opened in the bank, and the buyer promised to transfer the house payment to the seller's account opened in the bank during the transaction;
(3) The seller and the buyer sign a house transfer contract;
(4) The buyer submits a new loan application to the bank, and the loan amount can be the remaining loan balance of the seller;
(5) After approval, the bank signs a new loan contract and mortgage contract with the purchaser, and issues a letter of commitment agreeing to the loan;
(6) The bank and the seller go to the real estate management department to cancel the mortgage registration, the seller and the buyer go through the property transfer procedures, and the bank and the buyer go through the new mortgage registration procedures;
(7) The bank issues loans to the buyer, transfers the loans to the account opened by the seller according to the authorization of the buyer, and then directly deducts the outstanding loan principal and interest from the account according to the authorization of the seller, thus terminating the original loan contract.
2. Legal basis: Article 7 of the Regulations on the Administration of Urban Real Estate Transfer.
The transfer of real estate shall be handled in accordance with the following procedures:
(a) the parties to the real estate transfer signed a written transfer contract;
(two) the parties to the real estate transfer shall, within 90 days after the signing of the real estate transfer contract, declare the transaction price to the real estate management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents;
(three) the real estate management department to review the relevant documents provided, and make a written reply whether or not to accept within 7 days, 7 days without a written reply, as agreed to accept;
(four) the real estate management department to verify the declared transaction price, and according to the need to conduct on-the-spot investigation and evaluation of the transferred real estate;
(five) the parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the provisions;
(six) the real estate management department shall go through the formalities of housing ownership registration and issue the certificate of real estate ownership.
Second, what are the conditions for buying a house?
1. If you buy a house in full at one time, there are no conditions for buyers;
2. If you are going to buy a house with a mortgage loan, you need to have a stable economic income and proof of income, a good credit record and the ability to repay the principal and interest of the loan. The loan application period plus the existing age shall not exceed the specified age, and the down payment shall not be less than 30% of the house price, and the house purchase contract shall be signed.