1. The houses with outstanding loans can be sold, as follows:
(1) If the house loan is not much, you can ask the buyer to increase the down payment to repay the bank loan;
(2) If the loan amount in the house is large and the seller is unwilling to pay more, he can find an advance company to make an advance.
2. Legal basis: Article 394th of the Civil Code of People's Republic of China (PRC).
In order to ensure the performance of the debt, if the debtor or a third party does not transfer the possession of the property and mortgages the property to the creditor, if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, the creditor has the right to be compensated in priority for the property.
The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.
Article 406
During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.
Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.
2. What are the conditions for mortgage loan of real estate license?
The requirements for mortgage loan of real estate license are as follows:
1, a natural person with full capacity for civil conduct, aged between 18 and 65 years old;
2. Have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;
3. Have legal and valid identity certificate, household registration certificate and marital status certificate;
4. Have a good credit record and willingness to repay;
5. Other conditions stipulated by the bank.