The seller has a mortgage, and if the buyer also loans, the process is as follows:

Customer qualification review → file search → inquiry → signing a real estate sales contract → applying for advance payment (before signing the sales contract) → evaluation → fund supervision, mortgage application → loan commitment letter (complete information) → paying off debts → getting back the property title certificate and canceling the mortgage information → canceling the mortgage → online signing → transfer → paying taxes → obtaining the property title certificate → unfreezing the down payment → mortgage registration → bank lending → real estate delivery.

So you have to collect the money in four times, the first time is to sign a contract to give the down payment, the second time is to get the down payment after obtaining evidence (usually on the same day or the second working day, but you need the balance payment to cover the money owed by your bank), the third time is to get the balance payment 5 to 10 working days after the customer mortgages, and the last time is to get the property deposit after the property is delivered.

Second, how to borrow money to sell a house?

The house that is still paying the loan cannot be sold. If you want to sell a house, the most important thing is to repay the loan first and then transfer the ownership. Method of buying and selling a house and repaying the mortgage: 1. The lender pays off the remaining loan with the down payment. 3. Use bank loans to pay off the remaining loans.

Article 38 of the Urban Real Estate Management Law

The following real estate shall not be transferred:

(a) the acquisition of land use rights by means of transfer does not meet the conditions stipulated in Article 39 of this Law;

(two) the judicial organ decides to seal up or restrict the real estate rights in other forms;

(three) to recover the land use right according to law;

(4) * * * has real estate

(five) the ownership is controversial;

(6) Failing to register according to law and obtaining the ownership certificate;

(7) laws and regulations.

Third, how to borrow money to sell a house?

Houses with loans are still mortgaged in principle and cannot be listed and traded. But in real life, there are still some ways to buy and sell houses by loans, mainly the following ways: 1, remortgage. Mortgage means that the borrower sells the house as collateral, and the buyer of the house continues to repay the unexpired loan of the seller with the consent of the loan bank. 2. The seller pays off the remaining loan with the buyer's down payment. This method is widely used by everyone, and it is suitable for some cases where the original owner's loan amount is low, or after a large number of loans are repaid, the remaining loan amount in the house is not large. 3. Apply for a mortgage loan from the bank and pay off the remaining mortgage. If the remaining mortgage is too much to handle the mortgage transfer procedures, then you can consider paying off the remaining mortgage through bank loans. The seller may, according to his actual situation, apply to the bank for a mortgage loan with other collateral under his name to settle the mortgage loan of the house. After the buyer paid off the loan, he paid off the bank mortgage.

legal ground

civil law

Article 595 A sales contract is a contract in which the seller transfers the ownership of the subject matter to the buyer and the buyer pays the price.

Fourth, how to sell the house with mortgage loan?

1. Sign the house sales contract with the other party first and collect the down payment (the suggestion is 65438+ 00% of the house price). 2. Apply for bank foreclosure, pay off all loans and interest in one lump sum, and the bank will issue a repayment certificate (about 10 working day). 3. When the Housing Authority goes through the mortgage cancellation procedures and gets back the original property right certificate, it is necessary to check whether the mortgage is cancelled and stamped (it takes 30 days) 5. Go through the formalities of measurement, appraisal and transfer, and charge all fees.