Of course. At present, ICBC, CCB and ABC in this city all have this business, commonly known as "lending" and "refinancing". During the loan period, the borrower can transfer his own loan at the same time as the property transfer, that is, transfer all the outstanding loan principal balance to the new purchaser, as long as it can pass the approval of the loan bank.

Lending business solves the transaction problem in the third-level real estate market, facilitates the borrower's real estate transfer, reduces the cost of its real estate transfer, relieves the pressure and solves the borrower's worries when transferring real estate.

Can I mortgage my house to apply for a loan? Recently, ICBC has expanded the scope of accepting individual housing portfolio loans. For individuals who own property houses, they can mortgage their own property houses to ICBC for loans.

The loan amount is 60% of the assessed value of the collateral, and the longest term is 20 years. The interest rate is the fixed interest rate. Personal housing portfolio loan is a new personal financing method with personal property as collateral, and the loan is issued in cash.