Now most houses are mortgage loans. Many people will think of applying for a mortgage loan to ease the situation when they encounter capital turnover, but they don't know how to apply for a loan for a house that is still mortgaged. Let's talk about the mortgage house. Can you still get a loan?

First, can the mortgaged house still be loaned?

Mortgaged houses can be loaned. The applicant of "mortgage with house" only needs to apply for comprehensive credit from the bank through high mortgage. After approval, the applicant can reuse the loan funds for many times to meet the consumption needs of individuals or families, such as decoration, study abroad, travel and car purchase, for a period of up to 30 years.

Second, can the mortgaged house be sold?

Houses that haven't paid off their loans can be bought and sold, but the premise is that they must obtain nationally recognized housing warrants, because second-hand housing transactions require real estate licenses. That is, selling or transferring personal housing to a third person, applying for personal housing loan to change the loan term, changing the borrower or changing the mortgage loan is a simple and direct transaction method of mortgage housing, and the process is as follows:

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

2. The buyer, the seller and the lawyer sign the security guarantee contract for the sub-mortgage transaction;

3. The buyer pays the down payment;

4. The seller's loan bank agrees in writing to repay the loan in advance in one lump sum, and presents a confirmation letter;

5. The buyer applies for a second-hand housing mortgage loan from the loan bank and pays the relevant materials;

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

7. Lend money after approval by the bank, and transfer the money to the seller's loan bank account;

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 the house to the buyer's loan bank;

9. The buyer's loan bank pays the down payment to the seller.

Summary: The above is all the contents of the mortgage house introduced by Bian Xiao. 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.