Many property buyers value their first-time purchase qualification, and the first suite will definitely be easier to borrow more money, and the taxes and fees will be more favorable. Then, is it the first time to buy a house by selling the mortgaged house? What are the procedures for selling mortgage houses? Next, let's take a look.

Is it the first set to sell the mortgaged house before buying a house?

It depends. If the previously mortgaged house has been sold, the transfer procedures have been completed, and there is no real estate under the name, you can consider the first set of houses. If the original house is sold, but the transfer formalities have not been handled, then the re-purchase does not belong to the first suite. If you have loan records of two houses in your name, one of them has been settled and the other has not been settled. In this case, you can buy a second suite.

How to calculate the interest on the sale of mortgaged houses?

1, average capital, divide the loan amount into n installments on average according to the number of repayment installments, and multiply the unpaid principal amount of each installment by the loan interest rate until the current interest is paid off;

2. Matching the principal and interest, the principal and interest during the loan period will be annualized, and the sum of the principal and interest repaid in each period is equal. The calculation of interest is complicated, and the interest of each period is not equal, but the sum of principal and interest of each period is equal.

What are the procedures for selling mortgage houses?

1. The buyer and the seller sign the purchase contract. After looking at the house and choosing a house, you can sign a house sale contract with the seller and pay the down payment.

2. The seller applies to the loan bank for prepayment. Because the house has a mortgage loan, the seller needs to go to the bank to repay in advance and deposit the full amount into the repayment account in advance. If the amount is insufficient, the buyer can pay off the remaining loan with the down payment.

3. The post-loan management department of the bank issues the materials for canceling the mortgage. After the seller replaces the mortgage loan in advance, the bank will issue the mortgage cancellation materials and cancel the house ownership certificate. At the same time, the seller needs to go to the housing management office to cancel the registration of real estate mortgage.

4. The buyer applies to the loan bank for a second-hand house mortgage loan. After the mortgage house is repaid in advance, if you need a loan to buy a house, you can apply for a loan from the bank and submit relevant information. After the bank evaluates the value of the house, it determines the loan amount.

5. Handle the transfer procedures of second-hand houses. After receiving the money, the seller, together with the purchaser and the staff of the bank, goes to the original real estate transaction center to handle the house transfer formalities and pays certain taxes. At the same time, the bank lends money to the seller's loan bank account.

6. hand over the house and get the real estate license. House buyers and sellers can move in after handling relevant matters. At the same time, after the real estate license comes down, you need to go to the bank for mortgage registration and repay the loan to the bank on time every month.

The above is about whether selling a mortgaged house before buying a house is the first set. What are the procedures for selling a mortgaged house? I hope this article can help friends in need.

The first loan house has been sold. Is it a second suite to buy a house with a second loan?

1, not counting.

2. Whether it is the second set or not, first of all, when you buy a house, you must confirm whether the original house has been sold. The situation is as follows:

(1) If it has been sold and the transfer is completed, that is, there is no real estate in your name, then it must be the first suite to buy a house by refinancing;

(2) If the house has been sold but not transferred, it proves that the house is still in your name and you belong to the second suite again;

Extended data

The second suite is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is lower than the local average level, and then applies for housing loans from commercial banks.

The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.

First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children);

Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level;

Third, families who have used loans (including provident fund loans) to buy houses and then applied for housing loans from commercial banks.