It is mainly the change of the debtor, that is, during the repayment period of the personal housing loan, because the borrower transfers the mortgaged property that has been mortgaged to the bank, the loan bank issues the loan to the purchaser (the next home) who buys the mortgaged property, and at the same time, the original borrower repays the loan by selling the price. These processes are all operated by banks, and the risks of both buyers and sellers are relatively small.
Extended data:
Procedure:
1. Borrower's pre-loan consultation: fill in the application for housing mortgage and submit the following supporting materials from the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor.
Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
Baidu encyclopedia-mat endowment