How to change the lender What are the procedures for changing the lender?

Can the lender be changed?

Under certain conditions, the borrower of personal commercial loan of BOC can be changed. Please consult the Bank of China loan handling outlets for detailed changes of conditions and procedures.

the above contents are for your reference. please refer to the actual business regulations.

how to change the principal lender

if you want to apply to the bank to change the principal lender, you need to get the consent of the bank first, and then you need to reach an agreement with the changer before you apply to the bank. What is provided is to change the identity document of the main lender, but also to provide a running bill, and the bank should also check the repayment ability and credit problems of the individual.

how to change the mortgage lender

can the mortgage lender be changed?

the borrower can change the borrower. If you want to change it, you have to go through the same procedures as when you apply for a loan for the first time. You need to hand over the new borrower's materials to the bank to apply for a loan, and before that, you have to pay off all the debts owed by the bank before you can lend it out again. Unless it is between husband and wife or in the case of divorce, some banks can change the mortgage repayment person, but they need to pay a handling fee.

If it is a housing provident fund loan, the borrower's spouse, heir of housing ownership or legatee may apply to change the repayment of housing loan before the termination of the individual housing provident fund loan contract:

(1) The borrower divorces and the housing ownership right is transferred to the spouse;

(2) The borrower has completely lost the capacity for civil conduct;

(3) The borrower is dead or declared dead.

the problem of changing the principal lender with bank loans!

Can your friend use his house as a mortgage to repay the money of the Agricultural Bank of China? In this way, the main lender will become your friend, the main lender, and the * * * same lender, and apply for change successfully, but how can it be confirmed if it is not the main lender?

if it is not the main lender, it is necessary for the main lender to go directly to the bank window to go through the formalities before the change can be successful.

can the main lender change the mortgage?

basically no.

because financial institutions have taken into account the income and repayment ability of the main lender and the repayment person when reviewing the materials, but it is clear that they are strict with the main lender and choose to issue loans after combining the comprehensive conditions of the main lender and the repayment person.

Therefore, once a borrower is changed now, financial institutions have the right to doubt the repayment ability of the borrower, and they will not take this risk.

moreover, for financial institutions, it can be defined as loan fraud to ask to change the name of the repayment person after the loan is issued, and financial institutions will not agree to such a thing.

if you apply for changing your name before issuing the loan, it is ok.

If it is a housing provident fund loan, the borrower's spouse, heir of housing ownership or legatee may apply to change the repayment of housing loan before the termination of the individual housing provident fund loan contract:

(1) The borrower divorces and the housing ownership right is transferred to the spouse;

(2) The borrower has completely lost the capacity for civil conduct;

(3) The borrower is dead or declared dead.

can the main mortgage lender change people?

No. Unless re-applying

, at that time, financial institutions had already taken into account the income and repayment ability of the main lender when reviewing the loan materials of the main lender, but it was clear that they were strict in reviewing the main lender and chose to issue the loan after combining the comprehensive conditions of the main lender and the repayment person.

Therefore, once a borrower is changed now, financial institutions have the right to doubt the repayment ability of the borrower, and they will not take this risk.

moreover, for financial institutions, it can be defined as loan fraud to ask to change the name of the repayment person after the loan is issued, and financial institutions will not agree to such a thing.

if you apply for changing your name before issuing the loan, it is ok.

If it is a housing provident fund loan, the borrower's spouse, heir of housing ownership or legatee may apply to change the repayment of housing loan before the termination of the individual housing provident fund loan contract:

(1) The borrower divorces and the housing ownership right is transferred to the spouse;

(2) The borrower has completely lost the capacity for civil conduct;

(3) The borrower is dead or declared dead.

how to change the name of the personal commercial loan lender of China Bank?

Name change of personal commercial loan lender of China Bank:

During the loan repayment period, if the borrower dies or divorces, you can submit an application for changing the borrower's name.

the above contents are for your reference. please refer to the actual business regulations.