The house has made a credit loan, provided that the credit is good and the residence is stable. There is no mortgage and no guarantee, so the credit loan has nothing to do with the house. Credit loans don't need to be repaid in advance, and houses can be bought and sold by themselves, and they can be repaid normally according to the contract.

Credit loans can be repaid on time or settled in advance, depending on the situation.

The house has a house registration, clear property rights, no mortgage loan, no seal-up and preservation, and no other debt relationship, so it can conduct normal transactions.

But if the house is mortgaged, it cannot be traded directly, and the mortgage loan must be settled first.

Extended data

Matters needing attention in selling houses

First, define the price.

When selling a house, it should be agreed whether the decoration, accessories, furniture and electrical appliances are included in the house price. For tax reasons, it is suggested to transfer decorations, especially movable decorations, and a separate contract can be signed.

Second, distribute taxes and fees reasonably.

In practice, the taxes and fees for real estate sales are generally borne by the buyer, so it should be clearly stipulated in the contract? .

Third, there is a mortgage that needs to be informed in advance.

Before selling the second-hand house, the mortgagee shall be informed in writing of the intended sale within a reasonable period of time. If the notification obligation is not fulfilled, the sales contract is invalid.

Fourth, the rental situation requires advance notice.

Because renters have the preemptive right. If the house is leased, the seller shall notify the lessee in writing in advance within a reasonable period, usually three months.

References:

Baidu encyclopedia-selling houses