1. Mortgage to mortgage. Transfer the remaining loan debt to the new buyer, but it needs the consent of the loan bank first, and the seller applies to the bank for changing the borrower, loan term and other information. 2. Pay off the loan with the buyer's down payment or full payment. If the buyer's down payment or full payment is enough to pay off the loan, the seller may apply to use the above funds to repay the loan in advance. There are still some risks in the trading house that has not paid off the loan, so when signing the sales contract, both parties should communicate in advance to reduce and avoid the risks.

Legal basis:

Article 61 of the People's Republic of China (PRC) Urban Real Estate Management Law shall apply to the land administration department of the local people's government at or above the county level for registration, which shall be verified by the land administration department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level.

If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house.

When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level.

If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.

Can you sell a house and repay the loan? What are the ways to repay the loan by selling a house?

Now many friends buy houses basically through loans. After all, the pressure is small and the burden is light, which is basically affordable for families. But the time of our loan is basically 15, which is as long as 30 years. During this period, it is difficult to say clearly what the economic variables are. Then, can we sell the house and get a loan without paying off the mortgage?

Now many friends buy houses basically through loans. After all, the pressure is small and the burden is light, which is basically affordable for families. But the time of our loan is basically 15, which is as long as 30 years. During this period, it is difficult to say clearly what the economic variables are. Then, can we sell the house and get a loan without paying off the mortgage? What are the repayment methods of the house? Let's have a look.

Can you sell a house and repay the loan?

Many people will wonder that my house was bought with a loan. If my loan is not paid off, can my house still be sold? The answer is, of course, yes. As long as the loan is not paid off, the house you bought is actually mortgaged to the bank. You can't trade the house until the loan is paid off. Then at this time, we just need to find a way to pay off the loan quickly.

What are the ways to repay the loan by selling a house?

For us, there are three ways to pay off the loan:

One: Mortgage to mortgage

Many people don't quite understand refinancing. Simply put, it is actually to transfer the remaining loan debt of their house to new buyers. However, if you want to apply for refinancing, you must first obtain the consent of the lending bank. The seller needs to apply to the bank in advance to change the borrower, loan term and other corresponding information. Moreover, if buyers and sellers apply for mortgages from different banks, it will involve inter-bank mortgage transfer, and there will still be certain limitations.

In addition, many banks have different regulations on refinancing. Some banks can refinance mortgages, while others simply don't accept this method. And the types of houses are different, and the rules of banks are different. Therefore, the specific information needs buyers to go to the bank for relevant consultation before they can understand it!

Second: use the buyer's down payment to pay off the remaining loan.

Generally speaking, this situation is mainly aimed at sellers with few loans left, or buyers have enough funds to pay the down payment. For example, when the seller bought a house, he borrowed 6,543,800 yuan from the bank, and 300,000 yuan has not been paid off. At this time, if the buyer is willing to pay a down payment of 300,000 yuan, then the buyer and the seller can solve the transaction problem easily and happily, or they can easily cancel the property from the bank and make a second transaction.

Generally speaking, this process is relatively simple. First of all, the seller needs to apply to the loan bank for early repayment, and the buyer pays the remaining loan amount of the seller as the down payment, and signs the house sales contract in the presence of the guarantee company. When the seller goes to the bank for prepayment, he must deposit the full amount into the repayment account in advance, and then go directly to the bank for settlement. Secondly, after the post-loan management center of the bank issues mortgage release materials to cancel the original owner's house, the seller needs to cancel the mortgage at the real estate registration center where the house is located, and the seller owns the house, and then the buyer and the seller can continue to handle the remaining procedures for the sale of the house.

Third: mortgage the bank with other collateral.

If the buyer is unwilling to use his own money to repay the mortgage in advance, the seller can also think of other ways, such as mortgaging his car and house to the bank, so as to get a certain loan to pay off the mortgage. Although it feels a bit like robbing Peter to pay Paul, it is also a solution for those who are in urgent need of selling houses. You can also complete the transaction with the buyer after paying off the mortgage and releasing the house.

Generally speaking, the regulations on the time of releasing from custody vary from region to region. In some places, the mortgage will be required before the transfer, that is to say, even if such a house is not put, it is possible to find a new bank to evaluate the interview. In some places, it is stipulated that they are eligible for house inspection only after completing the formalities of releasing from custody. It varies from place to place. At this time, it is necessary for everyone to understand the policies of their own place.

That's all about whether you can repay the loan by selling a house today. What are the ways to repay the loan by selling a house? You got it? Although the repayment policies of home purchase loans will be somewhat different in different places, the overall situation should be similar. Therefore, friends who need this may wish to refer to the above contents, hoping to help everyone.

When the house is sold, how can I repay the bank loan?

After buying a house for three years, I want to sell it, but I can apply for remortgage if the bank loan has not been paid off.

The process of remortgage:

1. The buyer and the seller sign a house sales contract;

2. The buyer and the seller sign a security guarantee contract for the sub-mortgage transaction with the law firm;

3. The buyer pays a down payment of 30% of the house price;

4. Letter of confirmation that the seller's loan bank agrees in writing to repay the loan in advance in one lump sum;

5. The buyer applies to the loan bank for second-hand housing mortgage loan according to the aforementioned documents and personal credit documents;

6. The seller actually delivers the house to the buyer;

7. Lend money and transfer money to the seller's bank after the bank has passed the examination;

8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages it to the buyer's loan bank;

9. The buyer's loan bank will pay 30% of the down payment to the seller.

Extended data:

Evaluation of selling houses:

1. When both parties declare their transaction price to the real estate management department, if the real estate management department thinks it is obviously lower than the market value, they will entrust a professional appraisal agency with certain qualifications to evaluate the traded real estate, and take the evaluated price as the tax basis.

In addition, in order to determine a reasonable transaction price, both parties to the transaction can also entrust an evaluation firm to make an evaluation, taking the evaluation price as a reference for the transaction price.

2. Real estate insurance needs to evaluate the real estate, which is divided into the insurance value evaluation when the real estate is insured and the loss value or loss degree evaluation after the insurance accident. The insurance value evaluation of real estate insurance is to evaluate the value of buildings that may suffer losses due to natural disasters or accidents.

3 involving land acquisition and demolition, compensation assessment shall be carried out.

4. In real estate appraisal cases, an authoritative professional real estate appraisal institution may be entrusted to scientifically evaluate the value, transaction price, cost, rent, compensation amount, compensation amount and appraisal result of the disputed real estate involved, and put forward objective, fair and reasonable opinions, so as to provide reference for settlement by means of agreement, mediation, arbitration and litigation.