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> For example, to move loans from one bank to another you need some documents

How would this work? The lender may have paid for your loan (and may not have even gotten the right to service the loan). How do they make their money back? What about the mortgage-backed securities market?

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Maybe I described it in a bad way. I'm talking about renegotiating the interest rate with another bank. So the original bank loan is not moved in practice, it's just paid back in full. It's law here in Sweden that the mortgage plan can't be changed (I.e. number of years etc) if you change bank, so the documents are related to this.

Ahh, this is called "refinancing" in the US.

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