You can refinance the loan. Sell or transfer individual housing to a third person, apply for individual housing loan to change the loan term, change the borrower or change the collateral.
In the sale of second-hand houses, it is generally said that individual housing is sold or transferred to a third person to apply for individual housing loan, change the loan term, change the borrower or change the collateral.
Pay off the remaining loan with the buyer's down payment. This is the most widely used model in second-hand housing transactions. This model is suitable for the case that the original owner's loan amount is low or the original owner has returned most of the loans and the remaining loans are less.
The buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can use the down payment of the buyer to pay off the remaining loan, and then cancel the mortgage registration of the property for trading.
Use bank loans to pay off the remaining loans. If the above two methods fail, then the seller can consider using the collateral in his own name to settle the mortgage loan.
If the seller wants to pay off the loan before selling the property, or the buyer is unwilling to buy the property with outstanding loan, but the premise is that the owner has collateral recognized by the bank to apply for a loan from the bank. The homeowner borrowed money from the bank through a mortgage to pay for the property loan he sold.
Extended data:
The whole process of second-hand housing transaction is roughly divided into the following stages:
(1) The buyer and the seller establish information communication channels, and the buyer knows the overall situation and property rights of the house, and requires the seller to provide legal documents, including house ownership certificate, identity certificate and other documents.
(2) If the house provided by the seller is legal and can be traded on the market, the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign a house sales contract (or a house sales contract). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts.
(3) The buyer and the seller apply to the real estate transaction management department for review. After the buyer and the seller apply to the real estate management department, the management department shall examine the relevant documents, review the property rights, and grant the transfer procedures for the houses that meet the listing conditions. If there is no property right or some property rights without the written consent of other property rights, the application will be refused and the listing transaction will be prohibited.
(4) contract. The real estate transaction management department shall, according to the property right status and the purchase object of the transaction house, report to the transaction department for approval step by step according to the approval authority set in advance, and both parties to the transaction may go through the formalities for signing the deed. Beijing has cancelled the contract for the sale of real estate during the transaction, which is also commonly known as the "white deed".
(5) Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different.
(6), handle the transfer of property rights transfer procedures. After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of receiving the property ownership certificate.
(7) For the buyer of the loan, after signing the house sales contract with the seller, the buyer and the seller go to the loan bank to handle the loan formalities. The bank will review the buyer's credit status, evaluate the house that both parties want to trade, and then approve the buyer's loan. After the two parties complete the registration change of property rights and the buyer obtains the house ownership certificate, the bank will issue a one-time loan.
(8) After the buyer has obtained the ownership certificate of the house and paid off all the house price, and the seller has delivered the house and settled all the property fees, all the second-hand house sales contracts of both parties have been fulfilled.
Baidu encyclopedia-second-hand house transaction