At present, most families buy houses with loans, but soon after buying a house, they take a fancy to another house. What shall we do? Can the house being mortgaged be sold? Let's take a look at the relevant knowledge right away.

1. Can the mortgaged house be resold?

Mortgaged houses cannot be resold. Because the premise of buying and selling a house is to obtain a nationally recognized house certificate, the Housing Authority that mortgaged the house cannot enter the house. If you want to sell the mortgaged house, the most important thing is to pay back the mortgaged money first and then cancel the mortgage, so that the mortgaged house can be resold. When it comes to mortgage repayment, there are generally two situations. One is that you have money to repay the mortgage, and the other is that you have no money to repay the mortgage.

Second, I have the money to pay the mortgage.

If the buyer buys a house in full, the seller can go to the bank to make an appointment for repayment as long as the purchase contract is signed. Some banks have a faster repayment cycle and can pay it back in a week. Some banks may need to make an appointment for several months to repay. On the repayment date, the remaining principal will be returned to the bank in one lump sum, and the bank will issue a settlement certificate, and then the customer may cancel the mortgage by itself, or the bank may cancel the mortgage by itself, and then the transfer can be made. If the buyer borrows money to buy a house, the customer needs to approve the loan first, and the landlord will approve it before repaying it, because he is afraid that the customer will not approve the loan after repayment.

Third, I have no money to repay the mortgage.

If the seller has no money to repay the mortgage, he needs to use the buyer's down payment or financial institutions to help him repay the mortgage. Therefore, he needs to communicate with the buyer in the case of repaying the mortgage with the buyer's down payment. If the buyer wants, he can save some money, because if the financial institution helps him redeem the house, there will be a fee, and neither the landlord nor the customer is willing to pay this fee. Therefore, it is best to communicate with the buyer to repay the mortgage with the down payment, pay off the mortgage and then cancel the mortgage, and finally transfer the ownership.

Conclusion: The related knowledge of resale of mortgage houses is introduced here for everyone, hoping to help everyone.