Can a house with a loan be sold and returned?
First of all, you have a house loan. Obviously, you bought it on mortgage. Note that you and the bank bought the whole house separately. The outstanding loan is not personal property and cannot be traded directly!
If the funds are tight and need to be turned around, there are ways to buy and sell. If you can't pay off the loan, you can find a customer who is interested in buying your house to help you pay off the mortgage. After the transfer, the house price you get is the total house price MINUS the part that the customer helps you repay the loan, which is yours!
You can first make it clear to the intermediary and the buyer that the house is in a loan state, and then if the buyer agrees that the quality of the house is ok, you can sign a contract, then calculate how many loans the house has not paid off, and finally let that person pay the down payment, and use the buyer's down payment to settle the remaining loans in the bank. There may be some liquidated damages, but not too much. After paying off, you can go through the transfer formalities normally.
If the buyer really cares about the mortgage of the house and doesn't pay the down payment, he can also borrow money for turnover, pay off the mortgage in advance, then sell the house and pay back the borrowed money.
How to sell a house with a loan to repay the loan?
1, one-time repayment
If you have enough funds to pay off the debt in one lump sum, the bank will of course issue the materials to dissolve your house, and then you will go to the real estate registration center to dissolve it and change the ownership of the house.
But many people don't have that much money, so they can borrow from banks or other lending companies. It is better to choose banks, which are compliant and have low interest rates. For example, if you still have a property you don't want to sell, you can mortgage it to the bank, redeem the house you want to sell after taking the loan, and then slowly repay the newly borrowed loan after changing hands.
2. Use the buyer's down payment or full one-time repayment.
This is easier to understand, that is, let the buyer sign the purchase contract first, and then return the money to the bank. After the bank transfer, the seller will go through the settlement procedures. However, the premise is that the money paid by the buyer can cover the mortgage owed.
3. Re-mortgage
Mortgage to mortgage is a personal housing mortgage loan, which means that the borrower who has applied for a personal housing loan in the bank applies for a personal housing loan to change the loan term, the borrower or the collateral by asking the original lending bank to extend the loan term or selling or transferring the personal housing mortgaged to the bank to a third person.