Houses with outstanding loans can be bought and sold, but the premise is that they must obtain the property right certificate recognized by the state, because the second-hand housing transaction is subject to the property right certificate. For the houses with outstanding loans, if the property ownership certificate has been obtained, the individual house can be sold or transferred to a third person, and the individual house loan can be applied to change the loan term, change the borrower or change the mortgage loan. This is the simplest and direct transaction method for mortgaged houses: 1. The buyer and the seller sign a house sales contract. 2. The buyer, the seller and the lawyer sign the security guarantee contract for the sub-mortgage transaction. 3. The buyer pays the down payment. 4. The Seller's loan bank agrees in writing to prepay the loan in one lump sum and issues a confirmation letter. 5. The buyer applies to the loan bank for the second-hand house mortgage loan and submits relevant materials. 6. The seller actually delivers the house to the buyer. 7. Lend money after the approval of the bank, and the money will be transferred to the seller's loan bank account. 8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages the house to the buyer's loan bank. 9. The buyer's loan bank will pay the down payment to the seller. Article 6868 of the Civil Code establishes, changes, transfers and extinguishes the real right of immovable property, and takes effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.

Is there a loan for selling a house?

Now people who buy a house will choose a loan to buy a house, and even fewer people will pay in full. But there are also many people who are eager to buy a house before the loan is paid off. Let's take a look with Bian Xiao. Is there a loan for selling a house?

Is there a loan for selling a house?

The house can be sold on loan. Make sure you have a real estate license before you sell it. Second-hand market transactions are generally based on real estate licenses, which can only be listed and traded. Without real estate license, there is no property right, so you can't transfer ownership, which means you can't buy or sell houses.

How to sell a house with a loan?

1. Lending: selling or transferring individual housing to a third party and applying for changing the loan term of individual housing loan. At present, there are relatively few banks that can refinance mortgages, so most of them transfer their houses in this way.

2. Pay off the remaining loan with the buyer's down payment: This situation is more common in second-hand housing transactions. This method is mainly suitable for the situation that the loan amount of the seller is relatively small or the seller has paid back more than half of the loan, but the buyer has sufficient funds.

3. Pay off the remaining loan with the bank loan: The seller may consider using the collateral in his own name to settle the mortgage of his house, provided that the buyer has the collateral recognized by the bank before applying. In this way, both parties can obtain a sum of money through bank mortgage to pay off the mortgaged property, thus making the transaction successful.

This method is robbing Peter to pay Paul, but it is also a good way as an emergency. Collateral can wait until the seller pays the house price, then pay off the mortgage loan of the bank and get the collateral back.

At the end of the article, I wrote: Is there a loan for selling a house? The house can be sold on loan. Make sure you have a real estate license before you sell it. Second-hand market transactions are generally based on real estate licenses, which can only be listed and traded. Without real estate license, there is no property right, so you can't transfer ownership, which means you can't buy or sell houses.

How to borrow money to sell a house?

If the house has a loan to sell, it can be sold in the following ways:

1. Mortgage refers to the sale or transfer of personal housing to a third person, and at the same time, apply for a loan to change the loan term, borrower or real estate.

2. Pay off the remaining loan with the down payment of the buyer: this method is suitable for the situation that the original owner's loan amount is low or the remaining loan amount is not large after a large amount of repayment. Usually, the buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can pay off the remaining loan with the down payment of the buyer, and then cancel the mortgage registration of the property and make the next transaction.

3. Use the bank loan to pay off the remaining loan: If the seller wants to pay off the loan before selling the property or the buyer is optimistic but unwilling to buy the property with outstanding loan, this method can be adopted.

But the premise is that the homeowner can apply for a loan only if he has collateral (such as other real estate) recognized by the bank. In this way, the homeowner can lend a certain amount of money to the bank through mortgage loan to repay the real estate loan he wants to sell, thus contributing to the success of the transaction.

Matters needing attention in buying a house with a loan:

1. Verify real estate information.

Before buying a house, buyers must go to the local housing management department to inquire about the loan and seizure of the house. You can't simply communicate with your host, you should master the method and get the correct source of information.

Property buyers can go to the Housing Authority to check the books and see if there are any outstanding loans under the name of the house. Specifically, it is to verify the ownership of real estate by taking any one of the conditions of real estate address, land number, real estate certificate registration number and real estate certificate number as the index.