When selling a house, the loan interest should be repaid by the seller. Usually when selling a house, the house loan needs to be settled, and the house needs to go to the bank to understand the mortgage situation before it can be transferred, so the loan interest is sold to the buyer after the house is paid off.

How to handle the loan for buying and selling a house?

1. Relevant materials for application: local resident ID card and household registration book; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents are required to provide birth certificates.

2. The lender must have a stable and legitimate economic income, and at the same time, it must be able to provide corresponding income certificates. Bank preliminary examination. After accepting the loan application, the handling bank before the loan will make a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant.

3. Purchase insurance: Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for property insurance to prevent loan risks. Sign the housing mortgage loan contract: sign the loan contract after investigation and approval. After the bank completes the registration notarization procedure, it informs the applicant to take the contract and sign the housing mortgage loan contract.

4. Get the declaration form and fill in a copy of the market sales price (submit the original real estate license and the original identity certificate). Pay stamp duty, the original and photocopy of the ID card of the buyer and the seller, the original and photocopy of the real estate license, issue payment bills and return the bills.

5. Handling mortgage registration procedures: After the transfer of house property rights is completed, the bank will handle the mortgage and get the certificate of other rights 7 days after handling the mortgage. Bank loan: core production certificate transaction, bank taking back other rights certificates, and bank loan. After the bank lends money, it is necessary to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank. Some institutions also need to stamp the official seal on the confirmation of second-hand housing mortgage transfer.