Mortgage is a very common way to buy a house now, especially in the case of soaring housing prices everywhere. If the owner encounters other things that need a lot of money after buying a house, he may need to sell the house or apply for a new loan, but the nature of the mortgaged house is quite special, so many owners don't know whether it is feasible. Then, can I get a loan for the mortgage house I just bought? Can the house in the loan be listed and traded? Let's have a brief look with Bian Xiao.

1. Can I get a loan for the mortgage house I just bought?

If the first mortgage loan is far below the loanable amount, the newly purchased mortgage house can also apply for a mortgage loan. For example, the loanable amount of the property is 6,543,800+0,000 yuan, but only 500,000 yuan was loaned when the house was purchased by mortgage, then the owner can apply to lend the remaining 500,000 yuan. However, the bank has higher requirements for this situation, and it is recommended that the borrower go to the loan bank first to understand the relevant procedures.

2. Can the loan house be listed and traded?

1. Repaying the loan in advance: If there is no policy, the house can be listed and traded in the loan. However, because the house is mortgaged, the property owner needs to pay off the remaining loan and go through the mortgage cancellation procedures before the second-hand house transaction can be carried out. If the property owner does not have enough funds to repay the loan in advance, he can negotiate with the buyer to pay off the loan with the down payment of this transaction, and then go through the transaction procedures.

2. Re-loan: If there is no way to repay the loan in advance, you can apply to the bank for re-loan, that is, transfer the loan in the name of the original property owner to the name of the buyer, and the remaining loan will be borne by the buyer. This method is relatively safe, but it may also be rejected by banks. Therefore, for the house that is being loaned, it is recommended to go to the bank to understand the situation first, and then determine whether it meets the conditions for listing and trading.

Editor's summary: That's enough about whether the mortgage house you just bought can be loaned and whether the house in the loan can be listed and traded. I hope it helps you. If you want to know more, please follow Qijia. com。

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