Outstanding loans can be bought and sold in practice, but the corresponding preliminary work should be done well. The specific operation direction and steps should be based on the specific conditions of the property and the specific requirements of the owner.

However, the real estate suggests that it is best to pay off the loan before the second-hand real estate transaction. This will not only promote real estate transactions, but also make buyers feel more at ease.

Second, how to sell the house that has not paid off the loan?

There are several ways to buy and sell properties with outstanding loans:

1. Re-mortgage:

This is the simplest and most direct way for China. Generally speaking, it is to sell or transfer individual housing to a third person, and at the same time apply for a loan to change the loan term, borrower or real estate.

2. Pay off the remaining loan with the buyer's down payment:

This is the most widely used model in Wuhan at present. This method is suitable for the case that the original owner's loan amount is low or the remaining loan amount is small after a large amount of repayment. Usually, the buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can pay off the remaining loan with the down payment of the buyer, and then cancel the mortgage registration of the property and make the next transaction.

3. Use it to pay off the remaining loan:

If the seller wants to pay off the loan before selling the property or the buyer is optimistic but unwilling to buy the property with outstanding loan, this method can be adopted. But the premise is that the homeowner can apply for a loan only if he has collateral (such as other real estate) recognized by the bank. In this way, the homeowner can lend a certain amount of money to the bank through mortgage loan to repay the real estate loan he wants to sell, thus contributing to the success of the transaction.

If you need to buy or sell a house with outstanding loans, I suggest you consult a professional real estate lawyer of Hubei (Wuhan) Qinyu Law Firm in advance on related issues, or choose a lawyer to accompany you to buy, so that they can give reasonable legal advice according to your specific situation, protect your legitimate rights and interests to the maximum extent and avoid possible disputes in the future. If there are disputes over the sale of houses with outstanding loans, you can also seek the help of Wuhan real estate lawyers to safeguard your legitimate rights and interests.