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 I change my housing loan into a bank?
Can I change my housing loan into a bank?
1. Because the real estate 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. Only after the loan of China Bank is paid off and the mortgage registration of China Bank is cancelled 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.
Can the way of mortgage loan be changed?
A principal and interest repayment method VS principal repayment method Friendly reminder: The difference between principal repayment method and principal repayment method is closely related to repayment time and loan amount. People who want to borrow money to buy a house can choose the repayment method according to the corresponding formula. B repaying the loan in advance: it is still the "principal method" to save money. Some citizens may repay their loans in advance after buying a house. So, in this case, which repayment method saves money? The specific situation, the public can still apply the corresponding formula to calculate. Here, the loan is still 300,000 yuan, with a term of 20 years and a monthly interest rate of 4.2‰. It can be calculated that the principal repayment method is still less interest. If five years later, the citizens pay off the loan in advance in one lump sum, according to the principal and interest repayment method, within five years, the principal has been repaid by 49,457 yuan and the interest is 69,733 yuan, and the remaining principal needs to be paid off in one lump sum. According to the principal repayment method, in five years, the principal has been repaid 75,000 yuan, the interest has been repaid 66,308 yuan, and the repayment of 225,000 yuan is enough. Compared with the two repayment methods, the principal repayment method pays 3425 yuan less interest than the principal and interest repayment method. Bank C: The contract cannot be changed. Since the difference between the average capital repayment method and the matching principal and interest repayment method is so large, can the principal and interest repayment method be changed to the principal repayment method? Yesterday, the reporter interviewed the Industrial and Commercial Bank of China, the largest individual commercial housing loan. A staff member surnamed Chen from the business operation department of the Gulou Sub-branch of the Industrial and Commercial Bank of China, which was the first in Nanjing to engage in personal housing loans, said that since 1995 engaged in personal housing mortgage loans, ICBC Gulou Sub-branch has been using the repayment method of equal principal and interest, which is convenient and concise. Not only banks recommend this method, but also buyers agree with it. As for whether the principal and interest repayment method can be changed into the principal repayment method, so far, banks have not encountered such a thing; I happened to meet it, because the property buyers and banks have signed a loan contract, which has come into effect and is definitely irrevocable. The statements of other banks are basically the same as those of ICBC Gulou Sub-branch, that is, the contract has come into effect and cannot be changed. Lawyer D: Banks have the obligation to inform. At the same time, many citizens require that their mortgages be handled by real estate companies. They only signed a letter and had no idea that there were two repayment methods. In this case, what kind of responsibility should the real estate company bear? In this regard, Zhu Xiaofeng, a lawyer of Nanjing Tongda Law Firm, believes that when buyers need commercial loans from developers, they will borrow from banks through developers, and developers will play a bridge role in the relationship between buyers and banks. As a developer, although it is not the main body of the loan, it does not assume corresponding responsibilities and obligations for the loan contract. However, when communicating with buyers and banks, developers should make it clear to buyers that there are two repayment methods for commercial repayment. In the loan contract signed between the bank and the buyers, it is clearly stipulated that it is obliged to inform the buyers of the advantages and disadvantages of the two repayment methods. In the actual lending relationship, the bank violated this obligation to inform, but at present, the relevant laws in China do not clearly stipulate what responsibilities the bank should bear for violating this obligation, and how the buyer should safeguard his legitimate interests, unless the buyer writes relevant agreements in the contract terms. At the same time, in the house purchase loan contract, if there is a major misunderstanding or obvious obviously unfair, the buyer can ask the bank to cancel or change the relevant terms according to the contract law, that is, change the repayment method.
Can I change my housing loan to a loan bank?
Yes, but you must 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 loans must be handled at the provident fund loan bank outlets entrusted by the municipal housing reform fund center, and the housing commercial loans entrusted by non-provident fund loans to individuals cannot be converted into provident fund loans.
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 installment guarantee or proof of commercial housing ownership;
(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, unmarried certificate is required);
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 shall go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the mortgage settlement certificate, cancellation certificate, original house purchase contract or real estate license and personal ID card issued by the loan bank.
The housing loan contract has been completed. Can I change banks?
It will take a year.
How to change the personal housing loan bank?
This requires you to negotiate with the developer first. The bank loan must be signed with the developer, and the mortgage can only be applied if there is a cooperation agreement. If the developer only has an agreement with one bank, then you can only apply for a loan in this bank, but the general developer will find two or more banks to cooperate, unless it is a small apartment, it is recommended to confirm with the developer again.
If you change the loan bank running procedures yourself, it will be very troublesome, generally not! Need the cooperation of developers!
How to change the personal housing loan bank
Hello, first of all, you have to apply for a loan from a new bank card. After approval, you should go through the loan formalities at the original loan bank and hand it over to the new bank.
Can I change banks if the housing loan has not been approved?
If it is a mortgage loan, I'm afraid I can't change banks, because for a residential project, the developer only corresponds to one bank. You cannot bypass the bank designated by the developer and contact other banks. So your idea may not come true. But you can try to talk to the developer and see if there are other solutions.
Can the mortgage 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.
Can the main lender of mortgage be changed?
It is basically impossible, because at that time, when financial institutions reviewed the loan materials of the main lender, they had already considered the income and repayment ability of * * * with the repayment provided by the main lender. But obviously, their review of the main lender was strict, and they chose to issue loans only after integrating the comprehensive conditions and repayment situation of the main lender and * * *, so once they need to repay, they will change to a * * * financial institution. Moreover, for financial institutions, Financial institutions will not agree to such a thing. If you apply for a name change before the loan is issued, that is optional.
Can I change to another bank loan after the bank loan is approved?
After the bank loan is approved, it can be exchanged for other bank loans:
If the loan is signed, but no loan is made, it will be regarded as early repayment, and the liquidated damages will be paid according to the contract.
(1) Incorporate the default record into the personal credit record;
(2) The expenses incurred at the initial stage of the loan will not be refunded or supplemented;
(3) The bank shall be informed of the reasons for not accepting the loan;
(4) signing an early repayment contract with the bank;
⑤ Pay a certain penalty;
⑥ It has a certain impact on future loan applications.
The loan was approved and I don't want to use the money. If I can cancel the loan before signing the contract, it will be regarded as giving up the loan automatically.
(1) No penalty is required;
(2) Pretreatment fee is not refundable;
(3) affect the future application for bank loans; (4) It is recommended to notify the bank in advance and explain the reasons for not using the loan.
Can I change the mortgage bank?
The mortgage bank can't change it either.
Because the mortgage has been handled and the loan procedures have begun, the mortgage bank cannot be changed. As for the cooperative relationship mentioned by the developer, it cannot be a reason for changing bank loans. It's just that your house has been mortgaged and you can't do other mortgages, so other banks have no collateral and won't lend you money.
Extended data:
According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.
Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that because the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.
The repayment method of equal principal is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large amount of principal in the early stage, the amount of repayment in the early stage is large, and then it is decreasing every month. The advantage of this method is that the early repayment amount is large, which reduces interest expenses and is more suitable for families with strong repayment ability.
Equal principal and interest repayment method is also called monthly average repayment method. The repayment speed of the principal is slow, and the repayment pressure is light, at the cost of overpaying the total interest. Compared with the repayment method in average capital, the total interest difference is not obvious in the short and medium term (1-5 years), but only different in the long term (20-30 years). Whether equal principal repayment is equal principal repayment or not, the calculation method of interest in each period is the same, which is equal to the remaining principal multiplied by the monthly interest rate.