After the divorce, the property mortgage belongs to the man. How does the woman change the borrower in the loan?

The house loan has not been paid off, and the property right is mortgaged to the bank, which does not belong to the couple for the time being.

If you divorce, you can't change the name of the owner of the house property or the name of the borrower!

If the lender remains the same, you only need to change the corresponding personal information, such as changing your name, ID card, telephone number and other information, and you only need to apply for changing your personal information at the original bank mortgage center.

If it is necessary to change the lender or the property owner, such as divorce property division, death inheritance of the original property owner, sale to others, etc., it cannot be changed directly, and the transfer transaction procedures must be completed after the bank loan owed is settled.

Extended data

Application conditions

Housing loan (provident fund loan) application conditions:

1, with valid identification;

2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

3. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing housing loans.

4. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

5. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.

6. When employees have other debts, it is risky to lend to the housing provident fund, which violates the principle of safe operation of the housing provident fund. That is, when applying for housing provident fund loans, applicants are generally required to have no large loans, such as outstanding housing commercial loans and auto loans.

References:

Baidu encyclopedia-housing loan