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2. Can the house be renamed during the loan period?

Legal analysis: As collateral, the property right of the house belongs to the mortgagee, and the mortgagor has no right to change the ownership privately. If the house is renamed, it shall go through the formalities of change registration after paying off the loan and canceling the mortgage. Before the loan is paid off, the property right of the house is not owned by itself, but by the repayment bank. So if you want to transfer money, you must get the consent of the bank. Only when the remaining loan property is returned in advance can it be owned. Commercial housing during the loan repayment period, which could not be sold originally, can now be sold by refinancing. That is, the borrower applies for a personal housing loan in the bank, asking the original lending bank to extend the loan period or sell or transfer the personal housing mortgaged to the bank to a third person, and applying for a personal housing loan to change the loan period, change the borrower or change the collateral. According to Article 406 of the Civil Code of People's Republic of China (PRC), the mortgagor may transfer the mortgaged property during the mortgage period. 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.

3. Can the house be renamed during the mortgage repayment period?

No, during the mortgage period, the property right of the house is mortgaged in the bank, and the name of the real estate license cannot be changed at will.

Mortgaged house mortgage:

① The word "Mortgage" is a Cantonese transliteration of the English word "mortgage";

(2) refers to real estate and other physical assets or securities, contracts, etc. As collateral, obtain a bank loan and pay off the principal and interest in installments according to the contract. After the loan is paid off, the bank will return the collateral;

(3) Mortgage means that the mortgagor takes the mortgage beneficiary of property right transfer as the repayment guarantee, and after the mortgagor pays off the loan, the beneficiary immediately transfers the involved property right to the mortgagor;

④ In this process, the mortgagor enjoys the right to use the property.

4. Can a house with a loan be sold? How much is it according to the regulations?

After many people buy a house, can they sell it for other reasons? What can a homeowner do to sell his house with a loan reasonably and legally?

Second-hand houses with loans cannot be sold.

At present, in the case of domestic loans to buy a house, the loan bank will set up a mortgage on the original house. According to the second paragraph of Article 19 1 of the Property Law: "During the mortgage period, the mortgagor shall not transfer the mortgaged property without the consent of the mortgagee, except that the transferee pays off the debt and extinguishes the mortgage on his behalf." Without the consent of the bank, no one may transfer the house unless the buyer is willing to pay back the money for the owner.

Because the property right of the house with outstanding loan can't be changed and the buyer can't get the property right certificate, he can only transfer the ownership after the loan is paid off.

How much is the loan house?

You can apply for prepayment and sell the remaining loan after repayment.

The homeowner can consult the loan bank and apply for early repayment. After the loan repayment is completed, mortgage to buy a house can handle the sale and house renaming. Because there is a loan with the words "real estate mortgage" on the real estate license, I took his right certificate and loan repayment certificate provided by the bank to the local housing authority for listing and trading.

The buyer left the remaining money to support the homeowner to repay the loan in advance.

In addition to the homeowner's own mortgage repayment, you can also find a buyer who can pay the full amount, pay off the loan through the money paid in the transaction, and then change the name. But in this case, the buyer can only pay the full amount in one lump sum, and can't pay the full amount again. Buyers and sellers can negotiate specifically, and there is great risk in how to rename the unpaid house. It is best for the buyer and the seller to sign a contract through an intermediary, and write the negotiation results into a supplementary agreement to avoid risks as much as possible.

Luck Race: Refinancing

In addition to finding the next home that you are willing to pay, you can also support the mortgage business through bank transfer, and some banks do not. So whether you can succeed depends on your luck.

Sales process of loan house

(1) When ""is used, pay the deposit;

2 collect the down payment of the house;

③ Apply for prepayment;

(4) Remove the mortgage and obtain full property rights of the house;

⑤ The buyer pays the final payment, which shall be handled by both parties.

⑥ After the transfer is completed, the seller receives the final payment.