It can be operated, but the risk will be greater.
Because you are still taking out a loan, it means that the house is still mortgaged in the bank. Then, according to the normal trading steps, you need to find a prepayment company or a loan company for help.
Of course, you can also sign a contract with the buyer, let him give you the money first, you can redeem it, then you can go to the real estate license, then you can go to the Housing Authority to trade, and then the buyer can mortgage it.
However, there are also some troubles and risks in this process.
For example, it takes some time to find a prepayment company, which is inconvenient for owners who are eager to sell and lack money.
In addition, the buyer only paid a deposit of 10%, asking you to redeem the building, and finally told you that you didn't want to buy it and would rather breach the contract. In that case, you have to go through the process again, which is very troublesome.
In short, this method is best operated with the help or guarantee of a third-party company. Buyers and sellers should not operate privately, so as not to suffer in vain.
Second, how to sell the house bought by loan?
(1 2 can be signed at the same time on the same day. If the temporary materials are incomplete, the down payment cannot be paid on the same day, or one of the spouses of the buyer and the seller cannot be present at the same time, they can be supplemented as soon as possible after the signing of the contract. ) 3. Appraisal, arrange appraisal company to conduct on-site appraisal, and the owner can cooperate. 4. In case of online signing, the signing center shall designate a special person to accompany both parties to the online signing window of the Construction Committee, and the online signing price shall ensure the customer's loan requirements. 5. Review: review according to the materials provided by the buyer and the seller, combined with the evaluation report and the online signing contract. 6, loan approval, after the audit, decide whether to approve the loan, and approve the loan amount, and issue a loan approval letter. 7. Notarization: The bank designates the guarantee company and the house owner to notarize the prepayment. 8. Loan to sell the house is repaid in advance. For buying a house, the customer will lend money in advance by borrowing from the bank, and part of it will be used to repay the remaining loan balance of the trading room. The remaining loan of the borrower will be lent to the owner's account, but it will be frozen by the bank. (The owner of the house to be sold shall agree with the original borrowing bank to repay the house in advance when signing the house sales contract) 9. The mortgage of the house to be sold is released, and after the loan balance of the house to be sold is paid off, the mortgage cancellation registration formalities shall be handled. 10. Transfer: Before the signing center arranges the buyers and sellers to register and transfer the house property rights, the buyers and sellers need to submit a large property fee in advance; On the day of transfer, you need to pay various taxes and fees to the local taxation bureau according to the transaction amount of the online contract. On the same day, the buyer can receive the license notice issued by the Construction Committee and the deed tax ticket issued by the Local Taxation Bureau (the bank will accompany the transfer personnel to collect it for lending), and Haidian will receive the property right certificate on the same day). 1 1. The remaining loans are unfrozen, and the remaining loans of customers that have been deposited in the owner's account are unfrozen, and the owner can withdraw them. 12. Property delivery. After the transfer is completed, both parties hand over the house, usually on the day of transfer. Special circumstances can be negotiated by both parties. 13, get the house ownership certificate. Generally, you can get the house ownership certificate within 10 working days after the transfer is completed, which varies from district to district. 14. mortgage registration. After the transfer, the buyer shall cooperate with the bank to handle the mortgage registration procedures and hand over the original mortgage registered house to the buyer.
3. Can a house with a loan be sold to repay the loan? How to sell a house with a loan to repay the loan?
Our general loan term is 20 ~ 30 years, and no one can predict what economic changes will happen during this period. So if we need to sell the house with a loan to repay the bank loan, can we? How can I sell a house with my own mortgage to repay the bank loan? Let's have a look. In recent years, loans to buy a house have become the best choice for property buyers. After all, a house price is tens of millions, and it is difficult for ordinary wage earners to pay off the house price at one time. But our general loan period is 20 ~ 30 years, and no one can predict what economic changes will happen during this period. So if we need to sell the house with a loan to repay the bank loan, can we? How can I sell a house with my own mortgage to repay the bank loan? Let's have a look.
Can a house with a loan be sold and returned?
First of all, you have a house loan. Obviously, you bought it on mortgage. Note that you and the bank bought the whole house separately. The outstanding loan is not personal property and cannot be traded directly!
If the funds are tight and need to be turned around, there are ways to buy and sell. If you can't pay off the loan, you can find a customer who is interested in buying your house to help you pay off the mortgage. After the transfer, the house price you get is the total house price MINUS the part that the customer helps you repay the loan, which is yours!
You can first make it clear to the intermediary and the buyer that the house is in a loan state, and then if the buyer agrees that the quality of the house is ok, you can sign a contract, then calculate how many loans the house has not paid off, and finally let that person pay the down payment, and use the buyer's down payment to settle the remaining loans in the bank. There may be some liquidated damages, but not too much. After paying off, you can go through the transfer formalities normally.
If the buyer really cares about the mortgage of the house and doesn't pay the down payment, he can also borrow money for turnover, pay off the mortgage in advance, then sell the house and pay back the borrowed money.
How to sell a house with a loan to repay the loan?
1, one-time repayment
If you have enough funds to pay off the debt in one lump sum, the bank will of course issue the materials to dissolve your house, and then you will go to the real estate registration center to dissolve it and change the ownership of the house.
However, many people don't have that much money, and they can borrow from banks, other loan companies or banks through secondary loans, which is compliant and has low interest rates. For example, if you still have a property you don't want to sell, you can mortgage it to the bank, redeem the house you want to sell after taking the loan, and then slowly repay the newly borrowed loan after changing hands.
2. Use the buyer's down payment or full one-time repayment.
This is easier to understand, that is, let the buyer sign the purchase contract first, and then return the money to the bank. After the bank transfer, the seller will go through the settlement procedures. However, the premise is that the money paid by the buyer can cover the mortgage owed.
3. Re-mortgage
"Mortgaging" refers to personal housing mortgage loan, which refers to the loan that the borrower who has applied for personal housing loan in the bank applies for personal housing loan to change the loan term, change the borrower or change the collateral by asking the original lending bank to extend the loan term or sell or transfer the personal housing mortgaged to the bank to a third person.
The above is today's knowledge introduction about whether a house with a loan can be sold and how to sell a house with a loan and repay the loan. I hope this article will be helpful to everyone. At the same time, I also remind everyone that in the case that the house itself has a mortgage, if it is not necessary, it is best not to sell it to repay the bank loan. After all, the procedures and processes involved are complicated and prone to errors. Once there is a mistake, it is easy to lose everything.
Fourth, how to sell a house with a loan?
With the continuous development of the real estate industry, it takes at least several million to buy a suite, and at least tens of millions in some central areas. Therefore, it is almost impossible to buy a house in full, and considering the low mortgage interest rate, most people will choose mortgage loans to buy a house, with less pressure and extra money to invest. Moreover, many people want to resell their houses before the loans have been repaid, so how can they sell their houses with loans? Next, let's take a look!
How to sell a house with a loan?
1, from loan to mortgage
Converting a loan into a mortgage loan is the most common and direct method. Mainly refers to the sale or transfer of individual housing to a third person and the application for individual housing loan to change the loan term, change the collateral or change the borrower's loan. However, at present, there are few domestic banks that can handle remortgage, and some banks can handle it, but some banks do not handle this business, and usually handle remortgage through intermediary companies.
2. Pay off the remaining loan with the buyer's down payment.
This is the most common way of second-hand housing transactions at present. This model only aims at the situation that the seller has paid off more than half of the loan or the loan amount of the seller is low and the buyer has enough funds to pay the down payment. At this time, the down payment paid by the buyer will be the loan amount that the seller has not returned. In this case, the seller can successfully transfer his house.
3. Use bank loans to pay off the remaining loans.
If the above two methods fail, then the seller can consider using other collateral under his name to settle his mortgage. In this way, the buyer can get a sum of money through the mortgage bank, thus paying off the mortgaged property and promoting the success of the transaction.
Bian Xiao's conclusion: The above content is about how to sell a house with a loan. I hope I can help you. I believe that after reading the above content, you will have more understanding of the loan to sell a house, and you can refer to it if necessary.