When buying a house, many people will apply for a loan, but many people want to sell the property before the loan is paid off. How to sell a house with a loan? Do you usually pay attention? Here are some selling tips so that you can sell your property quickly.
If you want to borrow money to sell a house, you can borrow again, that is, when the borrower borrows money to sell a house, the lending bank can approve it. At this time, the buyer will continue to repay the seller's unexpired loan, but it also needs the buyer's consent. After all, it involves the issue of loan interest rate. When the interest rate is higher than the current loan interest rate, the buyer may disagree.
Houses that want to sell their loans can apply for early repayment. At this time, the borrower can apply to the bank to settle the mortgage balance and then sell the property. It is good for the borrower to settle the house payment in advance, and it also saves interest expenses. However, after the house payment is settled in advance, you need to go through the formalities of understanding the mortgage, so that the real estate can completely belong to yourself.
If the borrower can't pay off the debt in advance, he can apply for a loan from the lending institution at this time, and use this loan to repay the mortgage debt in advance, and then repay the loan after selling the house. It should be noted that the loan requires a certain fee, and if the house cannot be sold in time, the interest on the loan is also high.
When the loan house is to be sold, if the buyer has enough trust in the seller, he can use the down payment paid by the buyer in advance to settle the remaining arrears of the mortgage, then cancel the mortgage, and then make the next transaction through the intermediary. This operation must be approved by the buyer.
Although houses that have not paid off their mortgages can be bought and sold, the premise is that they have obtained the nationally recognized housing ownership certificate, because the second-hand housing transaction is subject to the housing ownership certificate. When selling second-hand real estate, you may pay certain taxes and fees, which everyone needs to pay attention to.
How to sell a mortgaged house
The sale process of mortgaged houses is as follows:
1. You can apply to the bank for remortgage and transfer the unfinished mortgage to the buyer;
2. If there are not many mortgages left, you can apply for a one-time repayment of the mortgage before trading;
3. If the buyer pays in full. The seller can pay off the loan through the house payment paid by the buyer in advance, and then go through the transfer formalities after paying off the loan.
The transfer process of the mortgaged house is as follows:
1. Generally, the mortgagor and the owner negotiate with the bank to issue a written agreement on the change of property rights.
2. When the bank agrees to the change, the borrower is changed from the seller to the buyer, and the bank issues a certificate indicating the change matters and reasons, agrees to handle the change registration, and lends the real estate license to the bank. Then the buyer and the seller bring relevant certification materials to the local government real estate management department for property right change registration.
3. If the bank does not agree to the change, both parties can only notarize the property right change agreement reached at the notary office, take out the real estate license from the bank after paying off the bank loan, cancel the mortgage registration formalities, and handle the property right change registration formalities with the notarization agreement. Or find a guarantee company to guarantee that the balance will be paid off, and then take out the real estate license.
How much is the loan house?
Due to high housing prices, many people will use bank loans to buy houses, so how to sell the houses with loans? Let's have a look.
First, how to sell the loan house?
1. mortgage loan: transfer your mortgage loan to the buyer, so that the other party can continue to repay the outstanding loan principal and interest, but this method must be approved by the lending bank.
2. Early repayment: apply to the loan bank for early repayment of the outstanding loan principal and interest. After paying off, the seller can get back his house property right and real estate license, and then he can sell the house according to the normal house transaction procedure.
Tips: Under normal circumstances, the house in the loan cannot be transferred to others. If you want to transfer, you need to adopt an appropriate transfer method. There are many ways to transfer money, and the procedures will be different. Everyone should make reasonable arrangements according to their own actual situation.
2. What are the transaction methods of the loan house?
1, remortgage
If your house is purchased by mortgage, we can sell it by refinancing, which requires the consent of the loan bank, and the buyer of the house will continue to repay the unexpired loan of the seller. The second-hand housing market is divided into two types: bank mortgage and inter-bank mortgage. Because the buyer's credit, loan and monthly payment ability are different, when remortgage, the buyer can apply for the loan term and repayment method according to his own situation without talking about it.
2. Advance payment
Owners can consult the loan bank and apply for early repayment. After the mortgage loan is paid off, the house can be sold and renamed, because during the mortgage loan period, the words "house mortgage" will be printed on the real estate license, and the owner needs to wait until the loan is paid off, bring his right certificate and loan repayment certificate, and apply for a new real estate license before listing.
Step 3 leave a balance
If the buyer wants to buy a house in full, he can leave the balance in the transaction and wait until the owner pays off the mortgage with the prepaid money before going through the formalities of name change and transfer. But in this case, it is usually necessary to pay the purchase price in one lump sum, and he can't apply for a loan from the bank. At the same time, if the amount is lower than the final payment, the buyer and the seller can determine it through consultation. However, this kind of purchase is risky, and it is best for buyers and sellers to sign a third party through an intermediary to reduce the risk in the transaction.
The above is an introduction about how to borrow money to sell a house. I hope I can give you some help when selling a house and let you know how to borrow money to sell a house.
How much is the house mortgaged?
The process of buying and selling houses with loans is as follows:
1. You can apply for prepayment and sell the remaining loan after repayment. Owners can consult the loan bank, apply for early repayment and buy a house. Only after the repayment of the loan is completed can they handle the sale and renaming of the house.
2. The buyer reserves the balance to support the homeowner to repay the loan in advance. In addition to paying off the mortgage by the owner himself, you can also find a buyer who can pay the full amount, leave the final payment when buying and selling, and then change the transfer method after the owner pays off the loan with the money paid in advance.
3. Transfer the mortgage If you find someone who is willing to pay, you can also transfer the mortgage from the bank to realize your desire to raise funds to sell the house. At present, some banks support the refinancing business, while others do not.
Matters needing attention in buying and selling individual housing.
1. I suggest you register with the local real estate agent. The usual practice is to register for free. Please leave your contact number when registering. The rest is basically a real estate agent to help you contact the buyer. If someone wants to see the house, the agent will contact you. After success, the relevant transfer procedures will basically be handled by the intermediary, or the intermediary will lead you to handle it with the buyer and the seller. Finally, the agent will earn a commission according to a certain proportion of the turnover.
You can post the information of selling houses on the local shopping network.
3. You can also use promotional materials related to shopping information, such as consumer express advertisements and postal advertiser letters in some places.
If you choose to put up small advertisements everywhere, it will be uncivilized. It may also be a way to release the news of selling houses, but it is not desirable.
How to borrow money to sell a house?
The way to sell the house by loan is as follows:
1, remortgage. Mortgage is a loan that sells or transfers personal housing to a third person, applies for personal housing loan to change the loan term, change the borrower or change the collateral;
2. Pay off the remaining loan with the buyer's down payment. In the second-hand housing transaction, if the seller sells a house with a loan, he will choose this way to pay off the loan. This method is suitable for the case that the original owner's loan amount is low or the remaining loan amount is small after a large amount of repayment. Usually, the buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can pay off the remaining loan with the down payment of the buyer, and then cancel the mortgage registration of the property and make the next transaction.
Legal basis: Article 406 of the Civil Code of People's Republic of China (PRC).
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.