Mortgage:Refers to the real estate seller has been mortgaged to the bank or mortgage to buy and not yet paid property transferred to the buyer, the bank loans to the buyer, to repay the original mortgage and /, out of house property card, in order to handle the transfer, and by the buyer to pay off the mortgage and / business. That is to say, still in the housing mortgage for sale again, the buyer will to reimburse the seller housing mortgage limit. At present, the secondary housing market and the existence of peer to the mortgage bank mortgage in two cases. As the buyer's credit, loans, mortgage arrangements will purchase financing ability, not the same, in the mortgage at the same time, the buyer can according to their own needs for different period of the loan, the loan amount and repayment. In actual operation, is used to transfer the mortgage to the seller in advance owing on the loan, loan can therefore the buyer and seller are not repaid loans.

    The business process:The original borrowers apply to sign three party agreement, signed the purchase contract, the transfer of housing loans, the bank approval to sign a new loan contract, for property transfer and mortgage registration, mortgage loans, while loans.

  Matters needing attention: 

1, the loan period of not more than 30 years: the ordinary residential apartments, villas; not more than 10 years.

Note: age+Loan period≤30 years                     

(Note: the age of not more than 20 years)

2, age: lenders age+Loan period≤ In 65 years (not limited to men and women).

3, the loan amount does not exceed 70%: ordinary residential apartments, villas; no more than 60% (such as age more than 5 years of the loan amount is not more than 50%).

4, the loan interest rate: ordinary residential execution rates by the individual house purchase loans.

5, the repayment for the repayment (matching interest repayment law and matching principal repayment law any one).

6, sign all documents must use a black pen or pen.

Note: each person is not the same as the loan conditions, weOnly to Credit CompanyAccording to customer condition combined with bank policies to customers to develop a specific loan scheme, for customers reference.