When dealing with second-hand houses, it is estimated that you have to be particularly strong to pay for the house in full, so ordinary people still need to take out loans, so issues such as loans are definitely something that everyone is concerned about, so second-hand houses Is it good to apply for a transfer loan appraisal? You need to know this to know whether you are qualified for a loan. In addition, how to transfer a house with a loan? The house is yours only after the transfer, so let's take a look at these issues together.

Is the second-hand house transfer loan evaluation good?

It is very good, but if the evaluation is not good, you need to find an intermediary if you want to spend less money, because you can find it yourself. Appraisal companies can't get through without being tough in the housing bureau, so it's recommended to go to an intermediary company, which is more reliable.

How to transfer a house if you have a loan

1. Remortgage

A simple and direct method. Generally speaking, in the second-hand house transaction, it is to sell the personal house. Or transfer it to a third party and apply for a personal housing loan to change the loan period, change the borrower or change the collateral.

2. The seller uses a bank loan to pay off the remaining loan

If the buyer is unwilling to purchase the property with an unpaid loan, the seller can use a bank loan to pay off the remaining loan. But the premise is that the seller has bank-recognized collateral (such as other properties). In this way, the seller can borrow a certain amount from the bank through the mortgage to pay off the loan for the property he wants to sell and facilitate the completion of the transaction. As far as the editor knows, this method allows the seller to first pay off the loan and release the mortgage, and then transfer the property to the buyer, so the buyer does not have to bear the risk of foreclosure.

3. Use the buyer’s down payment to pay off the remaining loan

This is the model currently used in second-hand housing transactions. This method is suitable for situations where the original homeowner's loan amount is low or the remaining loan amount is not large after a large number of repayments. Normally, the buyer will agree to a down payment of 30% to 40% of the total transaction value of the property. The seller can use the buyer's down payment to pay off the remaining loan, then cancel the mortgage registration of the property and proceed to the next transaction.

It is necessary to understand whether the second-hand house transfer loan evaluation is good and how to transfer the house with a loan. In fact, the loan evaluation is related to many situations, such as work and various properties of your home. , so when applying for a loan, it is better to understand it based on the actual situation, so that you can understand it in more detail. Only then can you not be fooled.