1, remortgage. Sell or transfer individual housing to a third person, apply for individual housing loan to change the loan term, change the borrower or change the collateral. In the sale of second-hand houses, it is generally said that individual housing is sold or transferred to a third person to apply for individual housing loan, change the loan term, change the borrower or change the collateral.
2. Pay off the remaining loan with the buyer's down payment. This is the most widely used model in second-hand housing transactions. This model is suitable for the case that the original owner's loan amount is low or the original owner has returned most of the loans and the remaining loans are less. The buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can use the down payment of the buyer to pay off the remaining loan, and then cancel the mortgage registration of the property for trading.
3. Use bank loans to pay off the remaining loans. If the above two methods fail, then the seller can consider using the collateral in his own name to settle the mortgage loan. If the seller wants to pay off the loan before selling the property, or the buyer is unwilling to buy the property with outstanding loan, but the premise is that the owner has collateral recognized by the bank to apply for a loan from the bank. The homeowner borrowed money from the bank through a mortgage to pay for the property loan he sold.
Matters needing attention in buying a house by 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.
2. Pay attention to the safety of funds
Generally, when buying a house without repayment of the loan, the seller will let the buyer repay the mortgage first. If the buyer doesn't trust the seller and is worried about the safety of funds, he can trade through a third-party supervision account instead of the seller's personal account. If the seller is tough, afraid of trouble and refuses to supervise the funds, and the buyer wants to help contribute, then he would rather spend money to find a third-party company to contribute, and the third-party company will investigate and evaluate the reliability of the owner, so as to spend some money to transfer the risk.
3. notify the registration in advance to prevent one room and two sales.
Advance notice registration is to prevent buyers and sellers from signing a house purchase contract, but the transfer has not yet been handled. During this period, the property right certificate remains in the hands of the seller, and the owner can still mortgage the house secretly. After the advance notice registration is completed, the owner has no right to mortgage or guarantee the house or change the owner of the house without the consent of the purchaser.
4. Pay attention to the contract
It is suggested that the buyer and the seller stipulate the following contents in the contract: if the buyer has gone through the loan application procedures within the time stipulated in the contract, and the loan bank can't issue the loan according to the loan amount and loan term applied by the buyer, the second-hand house sales contract signed by the two parties will be terminated and the full amount of the house purchase money paid by the buyer will be refunded without interest, that is, the loan cannot be used as a condition for terminating the contract and not assuming the liability for breach of contract.