Yes, if the loan contract has not been formally signed with the bank after paying the down payment, and it is found that the loan interest rate of the currently selected bank is relatively high after comparing the loan interest rates of major banks, then the loan bank can be directly changed before the mortgage approval; If the mortgage has entered the review stage, then you can't change banks halfway.
Of course, this is not without solution. If you want to change banks, you just need to find a reason to accept your mortgage. If a suitable bank is found, the borrower can transfer his mortgage bank, and the borrower can apply for transfer to the bank that issued the mortgage with mortgage certificate, loan contract, repayment flow and other materials.
After the loan from the original commercial bank was approved, the lender later found that the loan interest rate of some banks was low, so he could apply to change the loan bank, pay off the original loan bank by looking for a guarantee company, and apply for a loan at a low interest rate bank. But the main function of this business is that the borrower can transfer the original bank loan to another bank without transferring the property right and loan balance.
Can I change the mortgage bank?
You can change the mortgage bank. The mortgage can be exchanged for a bank. Before changing banks, if the borrower finds a bank willing to accept the mortgage, and the bank to which the mortgage belongs agrees to transfer the ownership. Borrowers can bring mortgage documents, loan contracts, repayment diaries and other materials to the bank that issued the loan to apply for mortgage transfer.
Can a mortgage be transferred to a bank?
Question 1: The housing loan contract has been completed. Can I change banks? It will take a year.
Question 2: Can I change my housing loan to a bank? 1. As the mortgage loan is registered in the real estate trading center, according to the Guarantee Law, the debt cannot be transferred. Therefore, the landlord wants to change the bank loan, and only after the Bank of China has paid off the loan and the Bank of China has cancelled the mortgage registration can he borrow from other banks.
2. According to my practical experience, it is impossible to transfer to provident fund loans. Banks are not allowed to do this now. Those who can operate can also apply for provident fund loans after paying off the original commercial loans.
3. It is suggested that the landlord make full use of online banking. China Merchants Bank, for example, transfers every 2 yuan money through online banking in the same city. It is more convenient for you to spend 2 yuan a month to transfer money through online banking than for you to travel all the way to China Bank.
Supplement:
The landlord misunderstood me. What I mean is that you use other banks, such as China Merchants Bank, to transfer money to the bank card of China Bank, so you don't have to go to China Bank all the time.
China Bank's bank card can now apply for online banking for free, and get a dynamic password (free), so that China Bank can check whether the account has been received online, and it can be done without leaving home.
Question 3: Can I change banks in the middle of the mortgage? Yes, enterprises can change to the public. Fill in the application consent form at the counter of the original mortgage bank, and then submit it to the bank for approval. Employees who handle business-to-business transfer business across banks need to obtain business-to-business transfer account numbers from the original loan bank. Note: You can ask a few detailed questions when applying: 1. If the borrower keeps the original loan contract, mortgage contract and iou, it does not need to stamp the original loan bank. 2. Ask the original loan bank where China can print the repayment details and repayment plan. 3. Applicants who transfer from inter-bank dealers to public companies need to specify the collection account and collection time when applying on site. Experience: If the real estate is mortgaged in the bank, a copy of the real estate license should be stamped with the official seal. Some domestic banks can't stamp. At that time, I couldn't get a copy of the real estate license with official seal, so it took 3-4 working days to apply in advance. Only a few post-loan service departments of China Merchants Bank in Shenzhen can print repayment details and repayment plans and stamp them, so be sure to ask clearly in advance. The repayment details and repayment plan need 12, that is, the repayment details of the recent 12 period and the repayment plan of the principal payable, interest payable and remaining principal for each period on the deduction date of at least 12 months in the future need to be stamped, which can be obtained. This answer was recommended by Zhang Ling, an expert in economic and financial classification.
Question 4: Can you change a bank loan into a provident fund loan when buying a house? Yes, but you have to meet some conditions.
(1) Borrowers who have urban hukou (including blue-printed hukou or temporary residence permit), pay housing provident fund normally, have full capacity for civil conduct, have good personal credit, have a stable job and income, have applied for commercial housing loans and repay the loan principal and interest on time can apply for converting commercial loans into provident fund loans.
(2) Employees who have applied for housing portfolio loans and have withdrawn housing provident fund at the time of purchase will no longer apply for transfer to provident fund loans.
(3) The original commercial loan must be handled at the branch of the provident fund loan bank entrusted by the municipal housing reform fund center, and the housing commercial loan entrusted by the non-provident fund loan bank to individuals cannot be converted into a provident fund loan.
2. Loan conditions
(1) The borrower of the transferred provident fund loan and the original commercial loan must be the same person;
(2) The original commercial loan has been repaid normally for more than 1 year, and there is no record of overdue repayment provided by the lending bank;
(3) If the housing provident fund is withdrawn due to the purchase of housing, the housing provident fund shall be continuously and normally paid 1 year or more from the date of withdrawal;
(4) the transfer of provident fund loans must obtain the consent of the original commercial loan bank;
(5) The house that has been transferred to the provident fund loan must be a residential development project registered in the municipal housing reform fund center. If the house ownership certificate and the state-owned land use right certificate are not handled, the developer shall provide a phased guarantee or proof of the ownership of commercial housing;
(6) Agree to provide guarantee by a guarantee company recognized by the Municipal Capital Center.
3 loan amount, term and interest rate
Transfer procedures of provident fund loans
(1) Consulting application. The reloaning applicant negotiates with the original commercial loan bank and obtains the Application Form for Reloaning Provident Fund. After completing the form, attach the following relevant materials to the original commercial loan bank:
(1) the provident fund loan transfer application form, housing provident fund deposit certificate or Wuhan housing provident fund household registration book, proof of economic income of both husband and wife;
(2) The original and photocopy of the ID card, household registration book and marital status certificate of both husband and wife (if unmarried, the unmarried certificate shall be provided);
③ The normal repayment record of commercial loans provided by the original commercial loan bank and the proof of the remaining loan amount (provided by the bank);
(4) The original commercial housing sales contract with the original commercial loan, the loan contract and mortgage contract signed with the original commercial loan bank.
(2) Data submission for review. The lending bank shall review all the information of the sub-lending borrower and report it to the municipal capital center for approval.
(3) sign a contract. After the approval of the municipal capital center, the loan bank and the loan borrower sign the provident fund loan contract and mortgage contract, and the loan borrower signs the guarantee contract with the guarantee company.
(4) advance deposit of funds. Before the issuance of the provident fund loan, the sub-loan borrower will deposit the difference between the provident fund loan and the original commercial loan into the deposit account of the original commercial loan bank with its own funds to settle the loan.
(5) change insurance. Re-loan borrowers with the original commercial loan insurance policy to the insurance company to change home insurance procedures, insurance beneficiaries from the original loan bank to the city capital center.
(6) allocation of funds. The municipal capital center allocates loan funds, and the loan bank notifies the loan borrower at the same time as issuing provident fund loans and settling the original commercial loans.
(7) Monthly repayment. The reloan borrower shall repay the loan on time every month from the month following the settlement of the original commercial loan until the loan is fully paid off.
(8) Settlement of loan: When the borrower settles the last loan, I personally go to the loan bank and go through the repayment settlement procedures at the counter.
(9) Mortgage cancellation: After the borrower has repaid all the loan principal and interest, he will go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the settlement certificate and mortgage cancellation certificate issued by the loan bank, the original house purchase contract or real estate license and personal ID card.
Question 5: Can the mortgage loan be transferred? You can't change it
The best solution now is for you to negotiate with him and ask him to give you money and leave the house. This is the simplest procedure.
If you want that house, the procedure is as follows.
1, pay off the loan first,
2. Buy in your name.
Look at the two simple steps I wrote. It's really hard to do.
Question 6: Can a house bought with a bank loan be exchanged for another bank now? 1. When you choose a cooperative bank and have given you a loan, the contract must be fulfilled, otherwise it is a breach of contract, and your property has been mortgaged to the original cooperative bank and cannot be replaced.
2, there is a way to solve this problem, that is, you pay off all the money from the original loan bank, take out the real estate license, and mortgage it in other banks, but this nature is no longer mortgage, it is a commercial loan, and it is impossible to achieve mortgage for a long time.
Question 7: Can I change banks if the mortgage is not approved? If the application is made before the transfer, and the transfer has not yet been made, you can change banks. If it has been transferred, you can't change banks ~
Question 8: Can I change to another bank if I can't get a house loan? It should be possible, but most developers designate loan banks to solve the hunger problem, and then go to the bank to ask. I can't get a loan once, but I have to run 3.4 times, hehe! ! ! Now find someone to do things. That's it! !
Question 9: Can I change banks if the mortgage is not approved? Yes, but it's useless because the bank's evaluation system is similar and the credit system is similar.
Question 10: Can I change the bank card of the mortgage to someone else's? If it is necessary to change the deduction account number of personal loans handled by our bank, you can call the customer service hotline or contact the loan handling bank to take effect immediately. 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.
Can I withdraw the loan to the bank card?
Loans can be withdrawn to bank cards. Most loans are directly approved to the bank card, only a few loans, the loan funds will be approved to the loan account first, and then the user will withdraw the money to the bank card. Users should pay attention to the fact that after the loan funds arrive, the lending institution will start to charge loan interest. As for whether to charge interest from the date when the loan account is approved, users should pay attention to the loan contract.
Users can try to apply for a loan to lend money directly to the bank card, avoiding the operation of withdrawing money from the bank card. Moreover, the loan funds are directly approved to the bank card, and users can intuitively know whether the loan is successful. However, the loan funds were approved to the loan account, and the user failed to withdraw cash. In this case, the user still does not get the loan funds.
After receiving the loan funds, the user's bank card needs to pay attention to repayment on time. Failure to repay on time will result in overdue records and overdue interest, which will affect personal credit information and increase the repayment burden of users.