1. The transaction risk increases,

Loan problem: one room with multiple loans means that there are multiple loans on the house. If the seller fails to properly solve these loan problems when selling the house, the transaction may not go smoothly. For example, the lending bank may refuse the loan because there are other outstanding loans on the house, or ask the seller to pay off the loan before the transaction.

Transfer problem: Mortgaged houses usually cannot be directly transferred. If the seller has a loan on the house and fails to pay it off, the property right certificate of the house will be mortgaged in the bank, and it is forbidden to go through the transfer formalities. This will bring extra trouble and uncertainty to buyers and sellers.

Second, it may face the risk of default.

Contract responsibility: During the house transaction, if the seller fails to fulfill his responsibilities as agreed in the contract, the loan cannot be paid off in time, and the seller will face the risk of default. According to the relevant provisions of the contract law, the seller may be liable for breach of contract, including compensation for the losses suffered by the buyer.

Credit impact: Breach of contract may also have a negative impact on the seller's personal credit and affect his credit evaluation in future financial activities such as loans and credit cards.

Three. Suggestions and solutions

Solve the loan problem in advance: the seller should understand and solve the loan problem in advance before selling the house. You can negotiate with the loan bank to repay the loan in advance or transfer the loan to ensure that all the loans on the house are paid off before the transaction.

Transparent communication: In the process of house transaction, the seller should truthfully inform the buyer of the loan situation of the house to avoid transaction disputes caused by information asymmetry.

Application of fund supervision: In order to ensure the safety of transaction funds, buyers and sellers can set up fund supervision accounts in real estate trading centers or banks. After the buyer transfers the house purchase money to the supervision account, the supervision account will pay the money to the seller after completing the house transfer formalities. This can effectively reduce the transaction risk.

To sum up, one-room multi-loan does have a certain impact on the seller, but as long as the seller fully understands and properly solves the loan problem before the transaction, while maintaining transparent communication with the buyer and using measures such as fund supervision to reduce the transaction risk, the transaction can be guaranteed to proceed smoothly.