Mortgage repayment, that is, borrowers, is irreplaceable.

Because the mortgage contract signed by the borrower with the bank when handling the loan formalities clearly stipulates the repayment items of the borrower, it is impossible to change the repayment person. The borrower needs to repay on time according to the requirements of the loan contract.

If you want to change the borrower, you must go through the same procedures as when you first applied for a loan. You need to give the new borrower's materials to the bank to apply for a loan and pay off all the debts owed by the bank before you can borrow again.

Can the main lender of mortgage be changed?

The borrower who repays the mortgage cannot be changed. If you want to change it, you must go through the same procedures as when you first applied for a loan. You need to give the new borrower's materials to the bank to apply for a loan, and before that, you have to pay off all the debts owed by the bank before you can lend again. Unless it is between husband and wife or in the case of divorce, some banks can change the mortgage repayment person, but they need to pay a handling fee.

If it is a housing provident fund loan, before the termination of the individual housing provident fund loan contract, the borrower's spouse, heir to the ownership of the house or legatee may apply for changing the repayment of the housing loan:

(a) the borrower's divorce causes the ownership of the house to be transferred to the spouse;

(2) The borrower has completely lost the capacity for civil conduct;

(3) The borrower is dead or declared dead.

Can I change lenders in the middle of the mortgage?

No, because the bank has considered the income and repayment ability of the borrower provided by the main lender when reviewing the loan materials of the main lender, and has a strict review of the main lender. Only after comprehensive conditions of the main borrower and the borrower are integrated, will the bank choose to issue loans. Changing the first-tier lender halfway, even if the first-tier lender and the second-tier lender are changed between husband and wife, or only the second-tier lender is changed, is also very risky for banks, and banks generally will not agree.

The difference between the primary lender and the secondary lender:

1, the records in the credit information are displayed differently. When applying for a housing loan, only one loan record will be generated, which will only be displayed on the credit report of the main lender, and there will be no such loan record on the credit report of the sub-lender.

2. The loan term is different. The period of applying for mortgage is calculated according to the age of the first-tier lender, not according to the age of the second-tier lender.

3. Different qualification requirements. Usually, when banks apply for loans, they will let the party with good credit status be the main lender and the other party be the sub-lender.

4. The repayment order of provident fund is different. When using the provident fund to repay the mortgage, the balance of the secondary lender's provident fund account will be used only after deducting the balance of the primary lender's provident fund account.

Can a mortgage lender change people?

Can the mortgage change the main lender?

Generally, there are no special circumstances, and the mortgage cannot be changed during the repayment period.

After all, banks and lending institutions initially approved and issued loans according to the qualifications and repayment ability of the main lender. If the main lender changes, the qualification and repayment ability of the repayment object changes, and all the information in the loan contract is modified, the bank will generally not accept it; Moreover, the replacement object may not have the repayment ability, and banks usually do not take this risk.

However, some banks divorce the main lender of housing provident fund loans from their spouses and transfer the ownership of housing to their spouses; As well as the death or total loss of capacity for civil conduct of the main lender, the spouse, heir of house ownership and legatee of the main lender are allowed to change the main lender, and the main lender is changed to the lineal blood relative or spouse of the original main lender.

The specific situation should be analyzed in detail, and different banks will have different regulations. Therefore, if you want to change the mortgage lender, it is recommended to consult the loan bank first to see if the bank agrees.

The borrower of the loan can only be changed under the following circumstances:

1. When the borrower divorces, it is necessary to transfer the ownership of the house to the spouse.

2. The borrower does not have full capacity for civil conduct.

3. The borrower dies and is declared dead.

Can the mortgage payer change?

There are many people who borrow money to buy a house now. Girls buy their own houses before marriage, and later they want their husbands to help pay back the mortgage. Do you want to change the mortgage payer? In fact, it is not necessary, and the bank does not allow it. Just transfer the money directly to your bank card for repayment. If you want to change the payer, the easiest way is to sell the house and change the property rights.

Can the mortgage payer change?

You can't change the borrower of mortgage. If you want to sell a house, you need to pay off the mortgage before you can apply. You can't change the mortgage payer directly. When applying for a mortgage loan, the bank conducted a strict examination of the lender. If the lender is changed, the bank needs to spend manpower and material resources to re-examine the new lender. Therefore, banks generally do not accept the change of mortgage repayment person.

What procedures does the borrower need to change the mortgage?

With the consent of the bank, the borrower can change the mortgage, which is equivalent to a remortgage. To refinance the mortgage, the lender needs to ask the original lending bank to extend the loan term or sell or transfer the personal housing mortgaged to the bank to a third person, and plead with the personal housing loan to change the loan term, lender or collateral.

Will the interest rate change during the mortgage repayment?

Whether the interest rate will change during the mortgage repayment depends on the type of loan interest rate you choose. If you choose a fixed interest rate, the interest rate will not change during the mortgage repayment process. If floating interest rate is selected, the interest rate will change with the change of interest rate in the repayment process, and the floating interest rate is generally re-determined on the repricing day of each repricing cycle according to the LPR of the corresponding period in the latest month.