Current location - Loan Platform Complete Network - Loan intermediary - The second-hand house I bought originally had a loan from CCB. Can the loan be transferred to my name for further use?
The second-hand house I bought originally had a loan from CCB. Can the loan be transferred to my name for further use?
No, because when you buy a house, the most important step is to "transfer ownership", that is to say, change the name on the real estate license to your name. Then if you want to "transfer", you must first get the original title certificate, that is, you must first repay the loan from the original bank and redeem the title certificate. This step is "repayment of redemption certificate", which is essential in second-hand housing transactions. So there is no way to directly transfer the loan. Because if you want to redeem the certificate, you must pay off the loan first.