Many times, people buy houses by loans, because the current housing prices are too high, and ordinary families can only buy houses by mortgage loans. Later, for some reasons, their mortgaged houses may need to be sold, and many property buyers don't know whether they can buy houses still mortgaged or transfer ownership. Then, can the mortgaged house be transferred? How to transfer the mortgaged house? Today, Bian Xiao will discuss with you.

Is the mortgaged house transferable?

The house can be transferred by loan, but the second transaction has the following provisions:

1, the second transaction of the house means that the contract signed at the time of purchase and the property owner and real estate law of the house cannot be changed. Secondly, from the bank's point of view, if the loan is secured by the purchased property,

3. As for changing the mortgage registration, other warrants or mortgage certificates and property certificates at the ownership office, it is simply not feasible because there is no policy basis at present.

How to transfer the mortgaged house?

1, remortgage

A simple and direct method, in the sale of second-hand houses, is to sell or transfer personal housing to a third person, apply for personal housing loan to change the loan term, change the borrower or change the collateral.

2. The seller pays off the remaining loan with the bank loan.

If the buyer is unwilling to buy the property with outstanding loan, the seller can use the bank loan to pay the remaining loan. But the premise is that the seller has collateral (such as other real estate) recognized by the bank. In this way, the seller can borrow a certain amount from the bank to pay off the real estate loan he wants to sell and promote the completion of the transaction. As far as Bian Xiao knows, the seller pays off the loan first, and then transfers the ownership with the buyer, so the buyer does not have to bear the foreclosure risk.

3. Pay off the remaining loan with the buyer's down payment.

This is the current application mode of second-hand housing transactions. This method is suitable for the case that the original owner's loan amount is low or the remaining loan amount is small after a large amount of repayment. Usually, the buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can pay off the remaining loan with the down payment of the buyer, and then cancel the mortgage registration of the property and make the next transaction.

The above information is about whether the mortgaged house can be transferred and how to transfer the mortgaged house. I hope I can help you. The mortgaged house can be transferred smoothly, but only if we follow the prescribed procedures. When transferring the mortgaged house, we should pay special attention to the transfer of the mortgage.