1. When buying a house, be sure to find out whether the property has been mortgaged and whether the property ownership is owned by individuals or multiple people;

2. If there is mortgage, it is necessary to investigate the amount of mortgage and repayment, and it is best to investigate the performance of mortgage-related debts;

3. If the buyer decides to purchase the house by repaying the loan in advance or canceling the mortgage, the two parties can negotiate who will pay the unpaid amount, and generally adopt the following methods:

1, proposed by the seller;

2. The funds raised by the buyer shall be used as the purchase price;

3, or shared by both parties, and then settled when handling the transaction; According to the current practice of major banks repaying loans in advance, if it is necessary to pay liquidated damages in advance, who will bear the expenses should reach an agreement through consultation before signing the sales contract.

If you are not sure about everything, you can ask a lawyer for help. There are huge risks in mortgage sale of real estate, which can be significantly reduced with the assistance of lawyers.