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What should I do if I need to sell the house but the loan has not been repaid?
Generally speaking, there are only two ways to remortgage and foreclose. Re-lending is to transfer the loan from the seller's name to the buyer's name with the consent of the bank, which requires the buyer to have the conditions and needs for the loan and the bank's consent, both of which are indispensable. Mortgage means borrowing money to repay the loan, and then selling the house. If the buyer agrees, it can temporarily borrow the buyer's own. If the buyer doesn't agree, you can ask the mortgage company for help.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

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.

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Generally speaking, to apply for a personal loan, you need to meet the following conditions:

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Other conditions stipulated by the bank.

Matters needing attention

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. communicate with the bank one month in advance to apply for early repayment.

9. When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also to issue a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.