In principle, the houses with outstanding loans are mortgaged in the loan bank, and the owners with outstanding loans cannot handle the transfer procedures. Therefore, the purchase of second-hand houses with outstanding loans requires prepayment. If the seller's economic strength is acceptable, the seller can raise funds by himself and repay the loan balance owed to the bank in advance at one time. If the seller is unable to repay the loan in advance, he can negotiate with the buyer and repay the loan in advance with the buyer's down payment.

2. Raise funds again

If early repayment is not possible, in fact, the second-hand housing transaction can be carried out by refinancing, that is, the borrower sells the house as collateral, and with the consent of the loan bank, the buyer of the house continues to repay the unexpired loan of the seller. Of course, for the buyer, it may be necessary to prepare more down payment, because the loan amount of the buyer is determined by the remaining repayment amount of the seller, and the remaining repayment amount of the seller is generally not too high.

Second, the purchase of second-hand housing matters needing attention 1, pay attention to the surrounding facilities

Second-hand housing surrounding facilities are generally relatively complete, and there will be no major problems in life and work. But when observing the supporting facilities around the community, we should pay attention to whether there are some bad supporting facilities. For example, see if there are gas stations, heavily polluted processing plants and so on around. These places store a large number of dangerous goods, and the owners live in a dangerous environment every day.

2. Pay attention to neighborhood relations

Compared with new houses, second-hand houses have one advantage, that is, they can feel the relationship between neighbors. As the saying goes, if you buy a house for one million, buy a neighbor for one thousand, and choose a neighbor to live in, life can be more livable. When looking at the house, buyers can take a walk in the community, chat with security guards, property and neighbors, and feel the humanistic environment of the community. The humanistic environment of the community is also an important factor that affects people's choice of community.

3. Understand the background of selling second-hand houses.

Some friends are worried about buying a haunted house or a house with problems when buying a second-hand house, so it is also important to know the selling background of the second-hand house before buying it. If the asking price of a house is far below the market average, then buyers should pay attention. In addition, property buyers should also pay attention to whether there are arrears of property fees and utilities. First of all, this shows that the seller's integrity may be problematic. Secondly, if the house is discovered only after the delivery of the house, these expenses should be borne by themselves.

3. Can I get a loan for buying a second-hand house?

You can buy a second-hand house with a loan, but there are some precautions.

1, personal credit information

Banks will pay more attention to the borrower's credit report when approving borrowers, because the credit report reflects personal credit, which can show whether the borrower has good repayment habits, otherwise, even if you have high income and poor credit report, the bank will not give you a loan. Therefore, it is best for buyers who have a house purchase plan to keep personal credit information, such as returning credit cards on time and paying living expenses in time.

2. Don't be too old.

Apply to the bank for a loan to buy a house, and the bank has strict regulations on the age of second-hand houses. If the house is too old, the loan application is likely to be rejected by the bank. Some banks require that the age of second-hand houses and loan time add up to no more than 30 years, and some directly stipulate that the age of second-hand houses cannot exceed 15 years. Therefore, it is best for buyers to stay away from old second-hand houses.

3. Property rights should be clear.

Disputes arising from second-hand housing transactions are not uncommon, and most of them are unclear property rights. Therefore, when buying a second-hand house, buyers should find out whether the property right of the house is clear, and never buy a house without a real estate license, such as a small property right house, because it is impossible to apply for a mortgage loan without a real estate license.

4, the material should be true.

Some property buyers will provide false information to banks in order to obtain a higher loan amount. Once this situation is discovered, banks often refuse to lend directly, and may also be blacklisted by banks, which will affect future loans. Even if you get a loan by luck, once it is discovered by the bank in the future, you will recover all the loans in advance. Therefore, loan applicants should never resort to deceit when submitting materials, borrow in good faith and fill in personal information truthfully.

5, the position should not be too biased.

The location and area of second-hand houses purchased by property buyers will also affect the approval of bank loans to a certain extent. Houses with good locations are relatively more favored by banks, while some houses with bad locations often have low loan quotas and may even be directly refused loans by banks.