This system allows loans from outsiders and second-hand shops. You are a foreigner, the audit can be relatively strict, and personal credit information is better. In addition, the second-hand housing procedures should be complete, the ownership relationship should be clear, and the evaluation value should be sufficient. In addition, market transactions should be active and easy to realize. All these conditions have been met, and the rest depends on some binding terms of the bank.

2. Can the house with outstanding loan be transferred?

Hello, I'm glad to answer your question. You can't say anything unless you pay it back later. The two ways you mentioned are completely feasible for the customers of commercial loans. The lender must be the owner of the house, otherwise, whoever is the owner of the house is the lender. I don't know the purpose of your transfer to your son-in-law. Please add the details. Know more about the transfer of property rights, and hope to provide the answers you need.

3. Can a second-hand house handle a mortgage loan?

Property buyers can buy second-hand houses by mortgage. Although second-hand houses can be mortgaged, their procedures and requirements are often more than ordinary first-hand houses. For example, under normal circumstances, many banks require buyers to add up the loan period and the age of the house, which shall not exceed 30 years. In the process of loan, the bank needs to evaluate the house. Second-hand housing mortgage application conditions 1. A valid identity document of the borrower. 2. Household registration book 3. Valid proof of income and occupation. 4. Marriage certificate or single certificate. 5. Proof of property right when buying a second-hand house. 6. Other information required by the bank. Matters needing attention in purchasing second-hand houses 1. The age of the house. When we buy a second-hand house, we must find out the age of the house. If the house is too old, it will have a certain impact on our loan. 2. Property rights. See clearly whether the house and the seller are the same person, and whether the house you bought is a big property right or a small property right. 3. Supporting facilities of the house. For example, whether the tap water pressure is stable, whether the ceiling leaks, and so on. What are the requirements for handling second-hand housing loans? 1, a natural person with full capacity for civil conduct, aged between 18 and 65; 2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; 3. Have a good credit record and willingness to repay; 4, with a stable source of income and the ability to repay the loan principal and interest in full and on time; 5, with the purchase of housing contracts; 6. Have the ability to pay the down payment of the purchased house; 7. It has an effective guarantee recognized by the lender; 8. The seller has the right to dispose of the purchased house according to law, and the purchased house has the property ownership certificate; 9. If the property right of the house * * * exists, there must be a certificate of consent to transfer issued by the owner of the house property right * * *; 10, other conditions stipulated by the bank. Legal basis: Article 61 of the Urban Real Estate Management Law stipulates that anyone who obtains the land use right by allocation or allocation shall apply to the land management department of the local people's government at or above the county level for registration, which shall be verified by the land management 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.

4. Can I get a mortgage loan when I buy a second-hand shop?

Absolutely! But the specific interest rate depends on your location and bank policy. Generally, the down payment is higher than the residence.