Do you know what a mortgage is? Mortgage is a way to buy a house, which belongs to the way of loan. Nowadays, many people buy houses through mortgage loans, which is a very common means of buying houses. But many people don't know how to transfer a mortgage house, so today, Bian Xiao will explain in detail how to transfer a mortgage house. Next, let's look at the transfer procedures and conditions, as well as the general mortgage interest.

1. The house can be transferred by mortgage in the following ways:

1. The buyer and the seller sign a loan contract, stipulating who will repay the loan and the taxpayer (generally, the seller's loan will be repaid by the buyer's down payment);

2. The buyer and the seller go to the bank to sign a loan contract;

3. Settle the loan after the bank loan is approved;

4. Cancel his rights after the loan is settled;

5. Go through the transfer formalities after canceling his other rights;

6. After the transfer formalities are completed, hand over the title certificate to the bank;

7. Bank loans;

8. After the bank lends money, the transaction ends and the buyer can repay the loan on time;

Second, the mortgage method

(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.

(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Third, the repayment method

The so-called matching principal and interest repayment means to repay the loan principal and interest with the same amount every month within the loan period until the loan is settled. That is, the sum of the interest and principal repaid by the borrower every month is equal, and the ratio of interest and principal to the planned monthly repayment amount changes every time. At first, because of the large amount of principal, interest accounts for a large proportion, and the current principal payable = planned monthly repayment amount-current interest payable. With the increase of repayment times, the proportion of principal gradually increases.

The above is the process of how to transfer the mortgage loan house. Generally speaking, the shorter the mortgage time, the less interest, and the longer the mortgage time, the more interest will be collected. But the length of the mortgage can't be calculated according to the interest, it's better to calculate according to our monthly income, so that we can't easily afford to change money. Buying a house with a mortgage loan must be based on economic strength.