Real estate transactions are very common in the market, so how to sell a house with a mortgage? It is understood that houses with outstanding mortgages cannot be directly traded, and they can be refinanced or buyers can leave a balance to support homeowners to repay loans in advance.

mortgage

1, remortgage

Re-mortgage means that the borrower sells the house as collateral, and with the consent of the loan bank, the buyer continues to repay the seller's unexpired loan. In other words, if you want to sell a house with a loan, you need to transfer the mortgage of the house to the buyer so that the buyer can continue to repay the seller's mortgage.

2. You can apply for prepayment and sell the remaining loans after repayment.

The homeowner can consult the loan bank and apply for prepayment, using mortgage to buy a house. The house cannot be renamed until the loan is paid off. During the mortgage repayment period, the words "real estate mortgage" are written on the real estate license, and the owner needs to wait until the bank loan is paid off and bring other real estate licenses and proof of repayment. The bank goes to the local housing authority. Other rights of the house, and then listed and traded normally.

3. The buyer should keep the balance to support the homeowner's prepayment.

In addition to the homeowner's mortgage repayment, you can also find a buyer who can pay the full amount. By leaving the last payment in the transaction, the homeowner will pay off the loan with the money paid in advance and then change his name. But in this case, the buyer can only pay the full amount in one lump sum and cannot apply for a loan from the bank.