Can the lender be changed after a bank loan is successfully approved?

The lender cannot be changed after the bank loan is successfully approved.

Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees to return the funds within an agreed period. Moreover, in different countries and in different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in the United Kingdom mostly take the form of bill discounts, credit accounts, and overdraft accounts.

A lender refers to a person or financial institution that uses credit funds or its own funds to issue loans to borrowers in lending activities.

Bank loan refers to an economic behavior in which a bank lends funds to those in need of funds at a certain interest rate in accordance with national policies and agrees to return the funds within an agreed period. Generally, you are required to provide a guarantee, a house mortgage, or proof of income, and have a good personal credit report before you can apply.

Moreover, in different countries and in different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in the United Kingdom mostly take the form of bill discounts, credit accounts, and overdraft accounts.

Can the loan be transferred to someone else's name?

Bank loans are debts and can be transferred to someone else's name, but the bank's consent is required, and then the three of you sign a transfer agreement. If the loan is transferred to someone else without the creditor's consent, the transfer is invalid to the creditor, that is, the bank. According to the relevant laws and regulations of our country, if the debtor transfers all or part of the debt to a third party, it must obtain the consent of the creditor.

The debtor or a third party may urge the creditor to agree within a reasonable period of time. If the creditor fails to express his consent, it shall be deemed that he does not agree.

Legal Basis

Debt transfer: Article 551 of the "People's Republic of China and Civil Code" If the debtor transfers all or part of the debt to a third party, he shall With creditor's consent. The debtor or a third party may urge the creditor to agree within a reasonable period of time. If the creditor fails to express its consent, it shall be deemed to be disagreement.

Can the loan be transferred?

The loan can be transferred. Loans can be transferred to other people's names, and the bank's consent is required. To transfer the loan, it must be approved by the bank to be effective. After the bank approves, the bank and the debtor need to sign a contract, and then the loan can be transferred to another person's name. Otherwise, the transfer will be invalid. At the same time, when the debtor transfers all or part of the debt to a third party, it must obtain the consent of the third party.

Can the bank loan be transferred to the buyer?

Yes, the reasons are as follows:

Remortgage refers to a personal housing remortgage loan. A personal housing remortgage loan refers to a borrower who has already applied for a personal housing loan in a bank and requires it from the original lending bank. Extend the loan period or sell or transfer the personal housing mortgaged to the bank to a third party and apply for a personal housing loan to change the loan period, change the borrower or change the collateral.

The business process of remortgage:

The buyer and seller sign the "House Sales and Purchase Contract";

The buyer, seller and law firm sign the "Remortgage Transaction Safety" Guarantee Contract";

The buyer pays a down payment of RMB 30 of the house price (according to the principle of the lower of the transaction price and the appraisal price, the appraisal is exempted within one year, and the original purchase price shall prevail);

Confirmation letter from the seller’s lending bank agreeing in writing to early one-time repayment (including the principal and interest of the capital owed, and the repayment account number);

The buyer applies for a second-hand housing mortgage loan from the lending bank based on the aforementioned documents and personal credit documents (Loan application, preliminary review by lawyer, review by bank);

The seller actually delivers the house to the buyer;

After passing the review by the bank, the loan will be released and the money will be transferred to the seller's bank;

After receiving the payment, the seller will terminate the loan contract and mortgage registration with the original lending bank, handle the transfer with the buyer and lawyer, and mortgage it to the buyer's lending bank;

The buyer's lending bank will transfer 30 The down payment is made to the seller.