Generally speaking, no, generally speaking, the repayment method of mortgage cannot be changed in the middle of repayment. After the borrower signs a loan contract with the bank and determines the repayment plan, it is usually impossible to change the repayment method. However, different bank regulations will be different. For specific suggestions, consult the staff of the loan bank.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a 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.

The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.

How to change a house with a loan after divorce to a lender?

After divorce, the lender can be changed in the following ways:

1. After the divorce, if the house under one's own name is involved and the loan has not been paid off, the first thing you need to do is to analyze the nature of the house and apply for the deed tax exemption certificate. Go through the transfer formalities first. When going through the production analysis procedures, you should go to the local housing management department.

2. If you want to change the lender, you need to get the consent of the bank. You can negotiate with the bank to handle the mortgage transfer procedures, transfer the lender to someone else's name, and then re-sign the loan contract. But not all banks can handle it, so you need to consult clearly before.

If you can't handle it, the only way is to pay off all the loans. The bank will pay off all the loans, get other warrants, bring all the information, go to the Housing Authority for mortgage cancellation registration, and then transfer the property to another person's name.

Generally speaking, as long as the husband and wife reach a divorce agreement on the division of real estate and change the main lender, the bank will generally agree and cooperate with the formalities for changing the loan contract. However, some couples have a long loan period, such as a 30-year loan repayment period, and the monthly loan repayment amount is higher, such as more than 4,000 yuan. After the change, the borrower's monthly salary income is less than twice the loan amount. Unless the parties provide another guarantor or take other guarantee measures, banks will generally not agree to change the main lender.

How to divide the house after divorce?

1. After divorce, how to divide the husband and wife's house should be analyzed in detail. The first point is to solve it through consultation between husband and wife. After getting the agreement, the housing will be allocated according to the agreement of both parties. However, if the negotiation fails, it can only take effect through the judgment of the people, which involves many problems.

2. If this house is bought with a loan before marriage, it can be used as personal property before marriage. However, if both parties repay the loan after marriage, they need to compensate the other party when they divorce.

3. If you buy in the same place after marriage, whether it is full payment or loan, this housing allocation needs to participate in the same division.

What should I do if I refinance my divorced mortgage house?

1. What if the divorced mortgage house is refinanced? 1. Both parties bring divorce agreement, ID card, real estate license and divorce certificate, and apply to the bank for the name change of "marital property analysis" (the bank will issue a certificate of consent to the change if the loan is not paid off). The bank will issue a Certificate of Other Rights and a set of information of the bank, and the parties will take it to the local taxation bureau and the deed tax office to issue a certificate, and then go to the real estate transaction office for delivery. 2. If the divorced mortgage house obtains the real estate license, the transfer needs to go through the divorce property analysis first, which is the proof that the divorce property transfer is exempt from deed tax. If it is not because of divorce, the deed tax will be paid when the property is transferred. After completing the divorce property analysis procedures, you can go to the real estate management department to handle the divorce property transfer procedures. The specific transfer procedures are: (1) divorce by agreement, and the divorce agreement is notarized in the notary office. If there is a divorce judgment, notarization is not required; (2) transfer to the trading center; (3) Apply to the Housing Authority for deed tax relief; (4) Go through the registration formalities for production analysis and pay the registration fee for 50 yuan; Second, how to divide the real estate after divorce? 1. The house purchased by one party before marriage belongs to one party before marriage, provided that the house price is paid in full. 2. The house purchased by one party with personal property after marriage belongs to one party. 3. If the husband and wife make a one-time investment after marriage and divorce after obtaining the property right certificate, as long as the husband and wife have not explicitly agreed in advance that the property belongs to one of them, the property belongs to both husband and wife. 4. If a house rented by one party before marriage and purchased with the same property after marriage is registered in the name of one party, it shall be recognized as the joint property of husband and wife. 5. Houses (including loans) purchased by husband and wife with the same property after marriage should belong to the common property of husband and wife, and are generally divided equally at the time of divorce. 6. If one party mortgages the house before marriage and obtains the real estate license, and divorces during the repayment period after marriage, and it can be proved that all the repayment funds are paid by the personal property of the party who bought the house before marriage, the property belongs to one party and directly belongs to himself, unless both parties agree in writing that the property is the common property of both parties. To sum up, many couples now buy houses through mortgage loans. If they divorce, it will inevitably affect the handling of real estate. If one party claims the property right of the house, it may compensate the other party according to half of the value of the house. This process also involves the transfer of ownership. Both parties should bring divorce certificates, ID cards and related materials to the bank to change the main lender or handle the transfer through property analysis notarization.

How to handle housing transfer loan

Legal analysis: Method 1: The seller can go through the formalities of property transfer after paying off the bank loan and releasing the mortgage. The two sides first reached an agreement on the change of property rights, and then notarized it at the notary office. After the seller pays off the bank loan, the buyer can take out the real estate license from the bank and cancel the mortgage registration procedures. The buyer and the seller are handling the registration of property right change and completing the transfer according to the notarization agreement. Method 2: The Buyer and the Seller negotiate and issue a written agreement on the change of house property rights to the bank. This method requires the consent of the bank. 1. If the bank can agree to the change of property rights and the borrower is changed from the seller to the buyer, the bank will issue a certificate and handle the change registration under the condition that the house has been mortgaged. At this time, the buyer and the seller can borrow the real estate license from the bank, and then bring the certificate issued by the bank, the real estate license, the ownership change agreement, the household registration book and the ID card and other materials related to the real estate transaction to the real estate management department where the house is located to register the property right change and successfully complete the property transfer. 2. If the bank does not agree to the change, the buyer and the seller need to transfer the ownership according to method 1. Redeem the building from the bank first, that is, pay off the money owed to the bank first If the owner is short of funds, you can ask the guarantee company to redeem the building for you and then transfer the ownership. Method 3: Redeem the building. The seller looks for a guarantee company to guarantee, then pays off the balance, takes out the real estate license, then goes through the transfer registration, and then the seller repays the guarantee company. Method 4: Chinese laws do not support signing agreements to transfer ownership. If buyers and sellers think this way is not good, they can find a reliable intermediary company to deal with it. Buyers and sellers need to pay a certain fee to let the intermediary advance the loan. The seller gets the real estate license, transfers the property to the other party's name, and the buyer mortgages the funds of the intermediary company.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 209 The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.

Article 210 The registration of immovable property shall be handled by the registration institution where the immovable property is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.

Article 211 When applying for registration, the parties concerned shall provide the ownership certificate, real estate boundary and area and other necessary materials according to the different registered items.

Can mortgage change the way of loan?

The repayment method of mortgage can be changed, but it needs to be actively discussed with the bank. Average capital is generally easy to achieve equal principal and interest, after all, there are many interests. However, changing equal principal and interest into average capital may not be easy to succeed. On the one hand, banks may not accept the reduction of total interest. On the other hand, if it is changed to average capital, the initial repayment pressure will be greater, and some lenders may not be able to meet the income demand. If there is a need for actual adjustment, it is recommended to ask the lending bank.

Loan elements

I. Purpose of the loan

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.

Second, the loan object

The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:

1, with urban permanent residence or valid residence status;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. There is a purchase contract or agreement;

4, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment for the purchase; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;

5. There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;

6. Other conditions stipulated by the lender.

Third, provide information.

The borrower shall provide the lender with the following information:

1. Identity documents (referring to valid residence documents such as resident identity cards and household registration books);

2 proof of the borrower's family's stable economic income;

3. Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements;

4. List of collateral or pledge, proof of ownership and proof that the person with the right to dispose agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

5. To apply for a housing provident fund loan, a certificate issued by the housing provident fund management department is required;

6. Other documents or materials required by the lender.

How can someone change the loan when buying a house with my ID card?

Others use my ID card to borrow money to buy a house. The steps to change the loan are:

1. Go to the Housing Authority or the developer to find out whether it is handled under the real estate license. If yes, you need to go through the transfer formalities.

2. I didn't apply for the real estate license. That person and I need to go to the developer to explain the situation in person and go through the contract change procedures.

There is no need to pay any fees for changing the contract. If the contract has been filed, you only need to pay the errand fee in RMB. Some salespeople talk big, but.