Mortgage can change the repayment account, that is, loan to mortgage.

Steps to convert a loan into a mortgage loan:

1. Find a collection bank that can offer preferential interest rates and submit an application for refinancing.

2. Sign a loan contract with the bank and a guarantee agreement with the guarantee company. Generally speaking, the bank will help you find a guarantee company.

3. Provide the information needed for loan approval to the next bank, including ID card and household registration book.

After the next bank is approved, the guarantee company will issue a letter of guarantee.

5. The lender applies to the original loan issuing bank for full repayment in advance.

6. After repaying the original loan issuing bank in full in advance and getting back the certificate of other rights of the mortgage, cancel the mortgage at the trading center.

After 7 or 7 days, go to the trading center to apply for a new mortgage.

Extended data

There may be five risks in refinancing:

1. After the original owner's loan in the bank was paid off by the new buyer, the original owner suddenly changed his mind and refused to transfer;

2. The new buyer refuses to repay the loan;

3. The bank does not agree to the loan;

4. After the transaction is completed, the original owner can't get the remaining house payment smoothly;

5. After the transaction is completed, the new buyer can't get the real estate license smoothly. Both parties to the transaction must carefully weigh and try to avoid these risks.

Baidu encyclopedia-loan to mortgage

Do I have to pay back the bank card when I repay the mortgage? Can you change it?

It must be my bank card, and you can't change it if someone repays it.

The mortgage loan contract is signed by the borrower and the bank. The loan has been issued and the contract has come into effect. The borrower cannot be changed. Therefore, the mortgage can only be repaid by the borrower himself, and it must be deducted by the bank card in the name of the borrower. It is not allowed to change the repayment of others.

If you lose your repayment card, go to the loan bank and get a new one immediately. If you can't get a new card before the repayment date, contact the personal loan center of the mortgage bank for repayment.

If the card number changes after the repayment card is replenished, you should go to the personal loan center of the mortgage bank to change the bank card in time to avoid delaying repayment.

Extended data

Change process of bank card of mortgage repayment person:

1. I have prepared my ID card, changed my bank card and mortgaged the contract.

I take this information to the personal loan center of the mortgage bank.

3. Fill in the form and make an appointment.

4. Call the window and go through the formalities.

Can the mortgage bank card be replaced?

For the personal housing loan handled by China Merchants Bank, if you need to change the deduction account number, you can call the customer service hotline or contact the loan handling bank for immediate effect. If the second deduction account number needs to be added/changed, the account number to be changed must be a one-card account in the same city under the name of the borrower or debtor.