If you want to sell the house whose loan has not been paid off, you have to pay back the money from the bank before the house can be transferred to the buyer. If there is no money, the buyer needs to pay in advance, and the price may be lower. House price-total house purchase price at that time+deed tax+maintenance fund+decoration fee+property management fee+bank loan interest = earned money.
Precautions:
1, remortgage. Mortgage means that the borrower sells the house as collateral, and the buyer of the house continues to repay the unexpired loan of the seller with the consent of the loan bank.
2. The seller pays off the remaining loan with the buyer's down payment. This method is widely used by everyone, and it is suitable for some cases where the original owner's loan amount is low, or after a large number of loans are repaid, the remaining loan amount in the house is not large.
3. Apply for a mortgage loan from the bank and pay off the remaining mortgage. If the remaining mortgage is too much to handle the mortgage transfer procedures, then you can consider paying off the remaining mortgage through bank loans. The seller may, according to his actual situation, apply to the bank for a mortgage loan with other collateral under his name to settle the mortgage loan of the house. After the buyer paid off the loan, he paid off the bank mortgage.