With the rising house prices, those second-hand houses with better geographical location are relatively cheap and the surrounding facilities are better, so they are favored by many people. But at present, many second-hand houses have mortgage loans, so what are the procedures for selling houses by mortgage? The following article will introduce them to you.

What are the procedures for selling mortgage houses?

1. The buyer and the seller sign a purchase contract.

After looking at the house and choosing a house, you can sign a house sale contract with the seller and pay the down payment.

2. The seller applies to the loan bank for prepayment.

Because the house has a mortgage loan, the seller needs to go to the bank to repay in advance and deposit the full amount into the repayment account in advance. If the amount is insufficient, the buyer can pay off the remaining loan with the down payment.

3. The post-loan management department of the bank issues the materials for canceling the mortgage.

After the seller replaces the mortgage loan in advance, the bank will issue the mortgage cancellation materials and cancel the house ownership certificate. At the same time, the seller needs to go to the housing management office to cancel the registration of real estate mortgage.

4. The buyer applies to the loan bank for a second-hand house mortgage loan.

After the mortgage house is repaid in advance, if you need a loan to buy a house, you can apply for a loan from the bank and submit relevant information. After the bank evaluates the value of the house, it determines the loan amount.

5. Handle the transfer procedures of second-hand houses.

After receiving the money, the seller, together with the purchaser and the staff of the bank, goes to the original real estate transaction center to handle the house transfer formalities and pays certain taxes. At the same time, the bank lends money to the seller's loan bank account.

6. hand over the house and get the real estate license.

House buyers and sellers can move in after handling relevant matters. At the same time, after the real estate license comes down, you need to go to the bank for mortgage registration and repay the loan to the bank on time every month.

The above is an introduction to the sale process of mortgaged houses, hoping to provide some help to everyone when selling mortgaged houses, so that everyone can successfully complete the mortgage trading procedures.