Generally speaking, a house with a loan needs to pay off the loan before it can be traded, but in reality, the second-hand house with outstanding loan can be bought and sold in practice, but the corresponding work should be done in the early stage. The specific operation direction and steps should be determined according to the specific conditions of the property and the specific requirements of the owner. Secondly, it is best to pay off the loan before the second-hand real estate transaction. This will not only make real estate transactions faster, but also make buyers feel more at ease.

The specific operation of buying and selling the unsettled real estate with loans:

1. Re-mortgage:

The simplest and most direct method popular in the sale of second-hand houses is to sell or transfer personal housing to a third person and apply for personal housing loan to change the loan term, change the borrower or change the collateral. However, some cities, such as Beijing, suspended the re-mortgage business of second-hand housing transactions at the end of 2007. As far as I know, the main purpose of stopping refinancing this time is to control the potential risks of banks and squeeze out the real estate and stock market bubbles. However, according to industry experts' analysis, the remortgage business should not be permanently suspended. Therefore, I suggest taking a chance at the local bank before considering selling the property with outstanding loans.

2. Pay off the remaining loan with the buyer's down payment:

This is the most widely used model in second-hand housing transactions. 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 use the down payment of the buyer to pay off the remaining loan, and then cancel the mortgage registration of the property and make the next transaction.

3. Use bank loans to repay the remaining loans:

If the seller wants to pay off the loan before selling the property, or the buyer is optimistic but unwilling to buy the property with outstanding loan, this method can be adopted. But the premise is that the homeowner can apply for a loan only if he has collateral (such as other real estate) recognized by the bank. In this way, the homeowner can borrow a certain amount of money from the bank through the mortgage loan to repay the real estate loan he wants to sell, thus contributing to the success of the transaction.