With the rising house prices, more and more people buy houses with mortgage loans. Although the loan reduces the pressure on us to buy a house, it will bring new problems: the repayment period of a general loan will be as long as twenty or thirty years, so if the house is still being repaid during the loan period, can it be sold? How to borrow money to sell a house? Here's how to borrow money to sell a house, hoping to solve the problems when borrowing money to sell a house.

Houses with loans are still mortgaged in principle and cannot be listed and traded. However, in practice, we can sell houses with loans in some ways. The specific method is as follows:

I. Re-mortgage

Mortgage means that the borrower sells the house as collateral, and the buyer will continue to repay the unexpired loan with the consent of the loan bank. In other words, if you want to borrow money to sell a house, you need to transfer the mortgage of the house to the buyer, so that the buyer can continue to repay the seller's mortgage loan. There are two situations in the second-hand housing market: point-to-point mortgage and inter-bank mortgage. Because the credit standing, loan willingness, monthly payment ability and housing fund arrangement of buyers are different, buyers can apply for different loan methods according to their own conditions while refinancing.

Second, the seller pays off the remaining loan with the buyer's down payment.

The seller pays off the remaining loan with the buyer's down payment, which is widely used by everyone. Suitable for some cases where the loan amount of the original owner is low or the remaining loan amount of the house is not large after a large number of loans are repaid. Generally, the down payment of second-hand housing transactions can be in the range of 30% to 40% of the total sales of housing. Then, when the loan amount is not much, the seller can make full use of the buyer's down payment to pay off the remaining mortgage, and then go to the bank and other relevant departments to cancel the mortgage registration of the house so as to carry out the next business transaction.

Third, apply for a mortgage loan from the bank and pay off the remaining mortgage.

If you have too many mortgages to refinance, you can consider paying off the remaining mortgages through bank loans. The seller can apply for a mortgage loan from the bank with other collateral under his name to settle the mortgage loan of the house. After the buyer paid off the loan, he paid off the bank mortgage.

The above are three ways to sell the loan house, each with its own advantages and disadvantages. Few banks will accept refinancing; The method of paying off the balance with the buyer's down payment is simple, which is very suitable for sellers with less loans; For users who apply for mortgage loans from banks, it is relatively troublesome to pay off their mortgages. How to sell a house with a loan is a problem that puzzles many netizens. You can choose the sale method according to the specific situation of your house.

(The above answers were published on 2017-04-11. Please refer to the actual situation for the current relevant procurement policies. )

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