How to trade a house that is still mortgaged? There are many outstanding house loans. Although it can be sold, there are still many places to pay attention to. Let me briefly introduce how to buy and sell second-hand houses with loans.

1. The buyer shall pay off the remaining loan.

If the buyer can pay off the house price at one time, or the remaining loan amount is so small that the buyer can pay off the down payment, the seller can apply for early repayment of the loan, and the buyer will pay off the remaining loan on his behalf, thus canceling the mortgage registration of the house and making the house transfer transaction proceed normally. However, it should be noted that some banks may limit the time and frequency of prepayment by buyers in loan contracts. If the seller does not meet the conditions of early repayment, it is still difficult to cancel the mortgage smoothly.

2. Mortgage to mortgage

Re-mortgage means that the buyer of the house continues to repay the unexpired loan of the seller with the consent of the loan bank. Simply put, it is to buy and sell the house that is still mortgaged again, and the buyer of the house will continue to repay the mortgage of the seller. However, due to the complicated procedures of refinancing, lending banks are faced with many risks, and many banks are unwilling to carry out this business, which greatly reduces the operability of this operation mode in practice.

3. Loan "redemption voucher"

When the seller can't repay the loan in advance and can't pay the house price in one lump sum, the seller can borrow money from a third person to repay the loan in advance, so as to cancel the mortgage of the house, which is also commonly known as the "foreclosure certificate". In order to facilitate the transaction between buyers and sellers, many real estate agents will take the initiative to introduce borrowers to sellers. In this regard, it is suggested that the seller carefully review and sign a written loan agreement to prevent the mortgage from being released because the loan cannot be obtained smoothly, which will lead to default.

Common risks of sellers

For the seller, the biggest risk of selling a house with outstanding loans is that the mortgage of the house cannot be lifted in time. Because the house without mortgage can't be transferred smoothly, the seller is likely to be liable for breach of contract because he can't handle the transfer formalities within the time limit.

Common risks of buyers

Buying and selling second-hand houses with outstanding loans is risky for both buyers and sellers. The whole transaction process, from signing the contract to completing the transfer of property rights, often takes a period of time, and it happens in this process. Taking the way of fund supervision can effectively avoid these problems and really ensure the safety of housing transaction funds. "China Housing Purchase" can provide a safe and convenient channel for both parties to the transaction through the special account for the supervision of second-hand housing transaction funds-"Fangkuanbao", which is supervised by a third party (bank). After both parties have gone through the formalities of property right transfer, the bank will transfer the house transaction funds to the seller according to the agreement between the buyer and the seller before the transaction. If the transaction fails, the transaction funds will be directly returned to the buyer through the supervision bank. In the process of supervision, banks are the main body of supervision of funds, thus ensuring the safety of trading funds of buyers and sellers and safeguarding the rights and interests of buyers and sellers.

How to borrow money to sell a house?

Houses with loans are still mortgaged in principle and cannot be listed and traded. However, in practice, we can sell houses with loans in some ways. The specific method is as follows:

I. Re-mortgage

Mortgage means that the borrower sells the house as collateral, and the buyer of the house continues to repay the unexpired loan of the seller with the consent of the loan bank. In other words, if you want to borrow money to sell a house, you need to transfer the mortgage of the house to the buyer, so that the buyer can continue to repay the seller's mortgage loan. There are two situations in the second-hand housing market: point-to-point mortgage and inter-bank mortgage. Due to the different credit standing, loan willingness, monthly payment ability and purchase fund arrangement of buyers, buyers can apply for different loan terms, loan amounts and repayment methods according to their own needs while refinancing.

However, this method will be limited in use. Many banks have different policies on remortgage, and few banks can handle remortgage business in practice. So few people will use this method.

Second, the seller pays off the remaining loan with the buyer's down payment.

The seller pays off the remaining loan with the buyer's down payment, which is widely used by everyone. Suitable for some cases where the loan amount of the original owner is low or the remaining loan amount of the house is not large after a large number of loans are repaid. Generally, the down payment of a second-hand house can be in the range of 30% to 40% of the total turnover of the house, so when the loan amount is not much, the seller can make full use of the buyer's down payment to pay off the remaining mortgage, and then cancel the mortgage registration of the house in the bank and other relevant departments for the next business transaction.

This method is simple to operate and is very suitable for sellers with less loans. It will be safer to make the next transaction after paying off the mortgage.

Third, apply for a mortgage loan from the bank and pay off the remaining mortgage.

If you have too many mortgages to refinance, you can consider paying off the remaining mortgages through bank loans. The seller may, according to his actual situation, apply to the bank for a mortgage loan with other collateral under his name to settle the mortgage loan of the house. After the buyer paid off the loan, he paid off the bank mortgage.

This method will be a bit troublesome to operate, but it is not an infeasible method for sellers who want to borrow money to sell their houses.

What is the transaction process of selling second-hand houses with loans?

1. Bank Credit Information (go to the People's Bank to check the buyer's credit information)

2, housing property survey (survey whether the property is mortgaged, sealed up, property analysis, inheritance, * * owner)

3. Pay the down payment to the seller and keep the balance of the house.

When the house is transferred, the bank will review the loan conditions.

5. Banks issue loans.

6. Both parties will jointly deliver the property.

7. The final payment to the seller should be handled by the national chain of regular brand intermediaries as far as possible, which will ensure the safety of both parties to the transaction.

Second-hand housing loan refers to the loan business in which the buyer uses the house traded in the secondary housing market as collateral, applies for a loan from the bank to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

(1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract;

(2) Eligible buyers apply for loans from loan banks and provide relevant certification materials;

⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal;

(4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions;

5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan;

[6] The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities;

(7) The purchaser signs a second-hand house mortgage loan contract with the loan bank;

(8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration;

(9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract;

⑽ The borrower repays the loan on a monthly basis;

⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.