What are the ways to buy and sell a mortgaged house?
1. Pay off the loan in advance. As long as the house pays off the loan, the owner can get the full property right of the house. Therefore, the applicant can pay off the mortgage, cancel the mortgage registration and then sell the house. You can also sign a sales contract with the buyer, and then go through the formalities of buying and selling second-hand houses after the owner pays off the loan;
2, used for mortgage loans. This method is to change the registration of real estate mortgage and change the mortgagor from landlord to buyer. This kind of loan does not need to raise money to repay itself, so the pressure is less.
Legal basis: Article 27 of the Provisions of the Supreme People's Court on the Seal-up, Seizure and Freezing of Property in Civil Execution by People's Courts.
The people's court shall notify the mortgagee when it seals up or distrains the mortgaged property with the maximum amount set by the person subjected to execution. The amount of creditor's rights secured by the mortgagee shall not be increased after receiving the notice from the people's court.
Although the people's court has not notified the mortgagee, but there is evidence to prove that the mortgagee knows the facts of seizure and seizure, the amount of creditor's rights secured by mortgage will not increase since he knows the facts.
Article 28
Other people's courts may wait for the property that has been sealed up, seized or frozen by the people's court. If the seizure, seizure and freezing are lifted, the seizure, seizure and freezing registered in advance will automatically take effect.
Where the registered property of other people's courts waiting for registration is sealed up, detained or frozen, it shall notify the relevant registration authority to assist in waiting for registration, and the people's court that sealed up, detained or frozen shall allow other people's courts to consult relevant documents and records.
If other people's courts are waiting to seal up, detain or freeze unregistered property, they shall make a written record, which shall be signed by the person subjected to execution and the person subjected to execution, or notify the people's court that sealed up, detained or frozen in writing.