The mortgaged house can be transferred as long as the property right certificate is applied. The transfer process is as follows:

1. The buyer and the seller sign a loan contract, stipulating who will repay the loan and the taxpayer (generally, the seller's loan will be repaid by the buyer's down payment);

2. The buyer and the seller go to the bank to sign a loan contract;

3. Settle the loan after the bank loan is approved;

4. Cancel his rights after the loan is settled;

5. Go through the transfer formalities after canceling his other rights;

6. After the transfer formalities are completed, hand over the title certificate to the bank;

7. Bank loans;

8. The transaction ends;

Second, how to sell the mortgaged house?

The mortgaged house can be resold.

I. There are several ways to sell mortgaged houses:

1. Mortgage Because the purchaser must obtain 0/00% of the property rights of the house before selling it, the bank also has the right to transfer the mortgaged house. "Mortgage" refers to the refinancing of individual housing. Personal housing mortgage refers to the extension of the loan period or the transfer of the loan period to a third party, the borrower's change or the mortgage right change. It means that during the repayment period of individual housing loan, the borrower sells the house as collateral, and the lender continues to repay the house that the seller did not say was still in mortgage state, and then the buyer continues to pay. At present, there are two situations in the second-hand housing market: point-to-point mortgage and inter-bank mortgage. Due to the buyer's credit standing, loan willingness, monthly payment ability, mortgage of house purchase money and other factors, the buyer can apply to the seller for different loan terms, loan amounts and repayment methods for early repayment according to his own needs, so the buyer's loan may be inconsistent with the seller's outstanding loan.

Villa provides you with local architectural policies, architectural drawings and villas.

Villa appearance rendering service, thousands of fiery red drawings for you to choose from.

villa

3. 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 realize your desire to raise funds to sell the house through the mortgage transfer of the bank. 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.

Four. 202 1 mortgage house transfer process?

The answer is:

1. The buyer and the seller sign the mortgage house sales contract, reach an agreement on the transaction conditions, and notify the bank (without consent).

2. The bank verifies that the buyer meets the credit conditions and confirms that the bank mortgage can be transferred from the homeowner to the buyer.

3. Both parties confirm the remaining bank mortgage loan principal and interest, and all the house payment except the outstanding loan principal and interest shall be paid by the buyer to the owner according to the contract.

4. The buyer and the seller handle the house transfer formalities in the real estate registration authority, and the property right belongs to the buyer.

5. The bank handles the mortgage loan transfer procedures, and the borrower and mortgagor are changed from the owner to the buyer, and the house continues to be mortgaged in the bank as repayment collateral.

6. The original owner is no longer the owner of the house and withdraws from the mortgage loan contract.

7. The buyer becomes the owner of the house, and the remaining loan principal and interest are repaid by the buyer. If the buyer cannot repay the bank loan, the bank will exercise the housing mortgage loan.