First, what should I do if I don't pay back the last loan in the sale of second-hand houses? 1. The buyer pays off the remaining loan. If the buyer can pay off the house price at one time, or the remaining loan amount is so small that the buyer can pay off the down payment, the seller can apply for early repayment of the loan, and the buyer will pay off the remaining loan on his behalf, thus canceling the mortgage registration of the house and making the house transfer transaction proceed normally. However, it should be noted that some banks may limit the time and frequency of prepayment by buyers in loan contracts. If the seller does not meet the conditions of early repayment, it is still difficult to cancel the mortgage smoothly. 2. Mortgaging means that the buyer of the house continues to repay the unexpired loan of the seller with the consent of the loan bank. Simply put, it is to buy and sell the house that is still mortgaged again, and the buyer of the house will continue to repay the mortgage of the seller. However, due to the complicated procedures of refinancing and the risks faced by lending banks, many banks are unwilling to carry out this business, which greatly reduces the operability of this operation mode in practice. 3. Loan "redemption certificate" When the seller is unable to repay the loan in advance and cannot pay enough house payment at one time, the seller can repay the loan in advance by borrowing from a third party, which is also commonly known as "redemption certificate". In order to facilitate transactions between buyers and sellers, many real estate agents will actively recommend borrowers to sellers. In this regard, it is suggested that the seller carefully review and sign a written loan agreement to prevent the mortgage from being released because the loan cannot be obtained smoothly, which will lead to default. Second, what are the precautions in the sale of second-hand houses? 1. Is the house formalities complete? The real estate license is the only proof that the owner owns the house. There is a great risk for the buyer not to get the house if he conducts the house transaction without the real estate license. The owner can mortgage or resell the real estate license, even if it is not obtained in the future, the owner can mortgage and resell it. Therefore, it is best to choose a house with real estate license for trading. 2. Is the property right of the house clear? In some houses, there are many people. If there are heirs, families and husband and wife, the buyer shall sign a house sales contract with all the * * * owners. If only some * * * people dispose of the property owned by * * without authorization, the sales contract signed by the buyer with other * * * people is generally invalid. 3. Is the trading room for rent? When some second-hand houses are transferred, there is a material burden, that is, they are also rented out by others. If buyers only look at the property ownership certificate and pay attention to the transfer procedures, but not whether there is a lease, then it is very likely that buyers will get a property that cannot be moved in or used in time.

I want to buy a second-hand house. This house was mortgaged by the first head of household and sold to the second head of household by the bank without paying off the loan.

In this case, the first owner made a mortgage loan when buying a house. However, it takes time to take photos of the house. But in the process of taking photos of the house, the first owner had no money to repay the loan, so the bank sent someone to seal up the house by suing him, and then he could buy and sell. The bank didn't sell it to the second owner. ~ ~ Now the second owner should have two documents, a judgment and an auction book to prove that the house is his. )。 Now it's the second owner's turn, but now we can only wait for the house to come out. Lord, there are other ways to transfer the first master to the second master, and then the second master to the third master. The first owner directly transfers to the second account, and the second owner will pay less tax ~ ~, so this method will not be mentioned. Another is to change the purchase contract, and each region is different. I think that's all I know.

Third, buy a second-hand house through an intermediary, but the owner has not paid off the loan. He offered to do it with our down payment. ...

In order to ensure the security of second-hand housing down payment funds, you can choose fund supervision.

Second-hand housing mortgage loans, capital supervision process is as follows:

1. The buyer and the seller sign a house purchase and sale contract, and the buyer * * * puts forward the demand for transaction fund supervision service;

2. The bank reviews the qualifications of the buyer and the seller, and signs a loan-related contract with the buyer;

3. Evaluate the real estate and determine the down payment amount according to the evaluation report;

4. The buyer pays the down payment, and the money goes directly into the fund supervision account, which is supervised by the bank. At the same time, the Buyer and the Seller sign the Agreement on Fund Supervision between the Buyer and the Seller;

5. The buyer and seller shall go through the formalities of tax payment and transfer;

6. After the transfer formalities are completed, the bank pays the down payment according to the instructions of the buyer and the seller;

7. After seeing the seller's title certificate, the bank will pay the balance to the seller.

The supervision of second-hand housing transaction funds refers to the behavior of both parties to the second-hand housing transaction to deliver the housing transaction funds to the designated bank for supervision in order to ensure the security of the housing transaction funds, and after the two parties complete the registration of the transfer of housing ownership, the supervision bank will pay the housing transaction funds to the seller as agreed.

In second-hand housing transactions, buyers and sellers can apply for fund supervision. Through the simple procedure of "saving money-sending documents-obtaining certificates-withdrawing money", this payment method ensures the ownership and capital security of second-hand houses without adding other procedures, and truly achieves "clearing the money certificate" to prevent risks, which is time-saving, labor-saving, safe and reassuring for both parties.

Fourth, how to sign a contract when the landlord's loan for buying a second-hand house is not paid off?

I suggest you find an intermediary company to let the owner pay off the loan in advance, and then you can go through the transfer procedures.