1. application

The applicant brings the identity cards of both husband and wife to the loan bank to make a husband and wife credit statement. The original borrower and the new borrower need to apply for a loan from the bank.

2. Housing assessment

The borrower needs to go to the housing appraisal institution designated by the bank for appraisal.

3. Bank approval

The bank shall examine and approve the credit certification materials submitted by the new borrower.

sign a contract

After approval, the new borrower signs a loan contract with the bank.

Step 5 cancel the mortgage

The original borrower needs to cancel the mortgage registration.

6. Housing transfer

The original borrower needs to transfer the house to the new borrower.

Get a mortgage loan

After the house transfer is completed, the new borrower needs to apply for mortgage registration.

8. Bank loans

After the mortgage is completed, the bank will lend money.

What do you mean by loan to loan?

Mortgage-to-loan, also known as mortgage-to-loan, means that buyers sell their houses to others without paying off their loans. Generally, when the house purchase loan is not settled, the house property right is still in the bank. At this time, in order to conduct real estate transactions, the seller needs to go to the bank with the buyer to handle the loan business. After the lending business is completed, the mortgage loan will be transferred to the buyer's name. This buying and selling process is called mortgage refinancing. However, it should be noted that the lender must be a financial institution, otherwise it may constitute a crime. It is suggested that buyers and sellers must conduct transactions in formal financial institutions.

Lending is to transfer the loan to others, so that others can become the repayment person of the loan and bear the repayment responsibility of the loan. Generally, when the original borrower is unable to repay the loan due to violation of the criminal law or resale of the house purchased by the outstanding loan, or for other reasons, it is necessary to go through the lending procedures, transfer the loan to others, and let others repay the remaining loan amount. To transfer the loan, the original borrower and the repaid need to go to the loan bank to handle the relevant loan transfer procedures.

Lending means that in order to avoid the short-term deterioration of asset quality and reduce the rate of non-performing loans, banks generally apply for loans, reach an agreement with banks before the loan expires, raise funds to repay the principal and interest of loans, and then borrow from banks to resume loans.