If you want to transfer a house with outstanding loans, you must first have a real estate license. According to the relevant regulations, the second-hand housing transaction should be subject to the real estate license, and the house with the real estate license can be traded normally in the market, otherwise the transfer cannot be handled and the housing transaction process cannot be carried out smoothly. Unsettled mortgage means that the house is still mortgaged and cannot be directly listed and traded, but it can be realized in the following five ways.

1, remortgage

This is a relatively simple and direct method. The so-called "re-mortgage" refers to a loan that sells or transfers an individual housing to a third person and applies for an individual housing loan to change the loan term, change the borrower or change the collateral. Although this method is relatively simple, not all banks can handle it because of the great differences in their current policies. It is recommended that the seller consult the bank for details first.

2. With the buyer's down payment.

Generally, the buyer will pay 30% ~ 40% of the total house price as the down payment. When only a small part of the mortgage has not been settled, the seller can use the buyer's down payment to settle the remaining mortgage, and then carry out the process of mortgage cancellation and transfer, which is a relatively common method.

3. The Seller settles the house payment by applying for other loans.

The seller can also obtain enough funds to settle the mortgage by applying for other loan products, and then settle the loan after the real estate transaction process is successfully completed and the seller receives all the house payment. If the seller wants to settle the mortgage early or the buyer has bad feelings about the property with outstanding mortgage, this is really a good way. But the premise is that the seller must have collateral or asset certificate approved by the bank.

Find a guarantee company to pay for the building.

When the seller does not have its own funds to settle the remaining mortgage, and the buyer refuses to pay the down payment for the seller to settle the mortgage for fear of being cheated, the seller may wish to consider looking for a guarantee company to redeem the house and use the money of the guarantee company to settle the house loan. After the house transaction is completed and the buyer's purchase price is successfully obtained, the relevant expenses shall be paid as agreed, and the prepayment amount shall be returned.

5. Borrow money from relatives and friends to settle the remaining mortgage.

Put down your face and ask relatives and friends to borrow money to pay off your mortgage. After canceling the mortgage of real estate, you can buy and sell second-hand houses, and then return the money to relatives and friends after the house payment arrives. This is a way to save money without paying interest and handling fees to relatives and friends, but after all, borrowing money is an ungrateful thing and may face the embarrassment of being rejected, so this method is not simple.

To sum up: houses with outstanding loans can be changed hands, but some methods need to be mastered, which will be a bit troublesome to handle.