1. Can the house with outstanding loan be sold?
According to the Property Law, during the mortgage period of the house with outstanding loans, the property owner may not transfer the house without the consent of the bank, unless the buyer is willing to pay off the debts of the bank for the property owner. Because the property right of the house with outstanding loans cannot be changed, the buyers can't get the property right certificate, and the transfer can only be implemented after the bank debt is settled.
Second, how to sell the house that has not paid off the loan?
1, remortgage
Mortgage is one of the simplest and most direct methods. In the second-hand housing, it is well understood that it is to transfer the individual housing to a third person, apply for an individual housing loan to change the loan term, change the borrower or change the collateral.
2. Pay off the remaining loan with the buyer's down payment.
This is the current application mode of second-hand housing transactions. Use it when the original owner's loan amount is small, or the remaining loan amount is small after a large amount of repayment. Under normal circumstances, the buyer will recognize the down payment of 30%-40% of the total turnover of the real estate, and the seller can use the down payment of the buyer to pay off the remaining loan, then cancel the mortgage registration of the real estate and implement the next transaction.
3. Use bank loans to pay off the remaining loans.
If the seller wants to pay off the loan before selling the property, or if the buyer is optimistic but unwilling to buy the property with outstanding loan, this method can be adopted. But only if the owner has collateral (such as other real estate) recognized by the bank can he apply for a loan. In this way, the homeowner can lend a certain amount of money to the bank through mortgage loans to pay off the loans and promote the success of the transaction.
Summary: The above is the whole content of the house that Bian Xiao introduced with outstanding loans. I hope I can help you. Presumably, everyone knows something after reading it! If you want to know more relevant information, please pay more attention to Qijia. It will provide you with more complete, detailed and up-to-date information.