Can the house be sold before the loan is paid off?

The house with outstanding loan can be bought and sold.

if the buyer buys the house in full, the buyer can sign a contract with the seller to prepay the house in full to pay off the bank loan. The seller applied to the bank for prepayment to cancel the mortgage contract and cancel the mortgage registration with the Housing Authority.

if the buyer also needs a loan to buy a house, he needs to refinance the mortgage. The so-called "remortgage" means that before the loan of the house has been paid off, the owner sells the house as collateral, and with the consent of the loan bank, the buyer of the house continues to repay the unexpired loan of the seller. Simply put, the house that is still under mortgage is bought and sold again, and the buyer continues to repay the mortgage payment of the seller. However, the procedure of "remortgage" is more troublesome, and the regulations of each bank are different.

Is there a loan to sell the house?

Yes. A house with a loan can also be bought and sold, but the house must have a real estate license, and it can only be listed and traded after the real estate license is obtained. Otherwise, without the property right of the house, the transfer formalities cannot be handled, and the house cannot be bought and sold. When buying and selling a house with a loan, it can be mortgaged. This means selling the house to a third person, applying for changing the term of personal credit loan, changing the borrower or changing the mortgage loan, and transferring the house in this way. Another way is to use the buyer's down payment to pay off the remaining housing loan. However, this method is only applicable to the situation where the loan amount of the seller is low.

Can a house with a loan be bought and sold?

A house with an outstanding loan can be bought and sold, but only if it has obtained a property right certificate recognized by the state, because the second-hand housing transaction is subject to the property right certificate. For a house with outstanding loan, if it has obtained the real estate license, it is the simplest and most direct way to trade the house under mortgage by selling or transferring the personal house to a third person and applying for a personal house loan to change the loan term, change the borrower or change the mortgage: 1. The buyer and the seller sign the House Purchase and Sale Contract. 2. The Buyer, the Seller and the lawyer sign the Security Guarantee Contract for Sub-mortgage Transaction. 3. The buyer pays the down payment. 4. The seller's loan bank agrees in writing to repay the loan in advance in one lump sum and issues a confirmation letter. 5. The buyer applies for a second-hand house mortgage loan from the loan bank and submits relevant materials. 6. The seller actually delivers the house to the buyer. 7. Lend money after the bank has passed the review, and transfer money to the seller's loan bank account. 8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages the house to the buyer's loan bank. 9. The buyer's loan bank will pay the down payment to the seller. The establishment, alteration, transfer and extinction of the real right of immovable property in Article 6868 of the Civil Code shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.

can I sell the house that is still paying the loan?

Yes, the house under loan repayment can be bought and sold, provided that the property right certificate must be obtained. Without the property right certificate, the transaction cannot be carried out. As for the specific transaction methods, there are three commonly used:

1. Mortgaging

Mortgaging means selling or transferring one's house to a third person, and the third person applies to the bank for a new personal housing loan, changing the loan term, changing the borrower or changing the mortgage loan, which is the simplest and most direct transaction method of the mortgaged house.

2. Pay off the remaining loan with the down payment for buying a house

Note that the premise of this method is that the seller has few remaining loans, or the buyer has enough funds to pay the down payment. For example, if the buyer can pay the down payment of 4, yuan, the buyer and the seller can solve the transaction problem and easily release the property from the bank for the second transaction.

Third, use other collateral to mortgage the bank for loans to pay off the remaining mortgage

If the buyer is unwilling to pay the down payment to help the seller release the property, the buyer can also use his other collateral, such as other houses and cars, to mortgage the bank and get a certain loan to repay the mortgage, which is a bit like robbing Peter to pay Paul, but it is still a way.

after paying off the mortgage, releasing the house property, completing the transaction with the buyer and getting the money paid by the buyer, releasing the collateral, and finally completing the whole transaction process.

Precautions:

The specific process of paying off the remaining loan with the down payment for buying a house is as follows:

1. The seller applies to the loan bank for early repayment, and the buyer pays the remaining repayment amount of the seller as the down payment, and signs a house sales contract. When signing the contract, the guarantee company must be present to testify.

2. The seller goes to the loan bank for prepayment, deposits the full amount of money in the repayment account in advance, and goes to the loan bank for settlement.

3. The post-loan management center of the bank issues the mortgage release materials to release the house of the original owner, and the seller goes to the real estate registration center where the house is located to release the mortgage, and the seller has the ownership of the house.

4. The buyer and the seller continue to handle the remaining procedures of house sale.

Can the house be sold with a loan?

For various reasons, many people will sell the house with a loan, so can the house be sold with a loan? Let's take a look at it!

the house is still under loan. can it be sold?

The house can be bought and sold with a loan, but it must have a real property certificate. If there is no real property certificate, it can't be traded. Let's take a look at the specific trading methods.

Method 1: Pay off the remaining loan with the buyer's down payment

This method must be implemented when the seller's remaining loan amount is small, or the buyer has enough funds to pay the down payment. For example, if the seller's total house loan is 1 million and the remaining 4, loans are not paid off, if the buyer can pay 4, down payment at one time, then the buyer and the seller can solve the transaction problem and easily release the property from the bank for the second transaction.

Method 2: Mortgaging

Mortgaging means transferring or selling the house to a third person, and then the third person applies to the bank for a new personal housing loan, changing the loan term, changing the borrower or changing the mortgage loan. This is the most direct and simple transaction method of the house under mortgage.

Method 3: Use other collateral to mortgage the bank for loans to pay off the remaining mortgage

If the buyer is unwilling to pay the down payment to mortgage the property, then the seller can mortgage the house with other items, such as cars and other houses, so as to obtain loans to repay the mortgage.

Precautions for selling houses

1. If the house has a lease, you must first confirm that the renter will not exercise the preemptive right. If the renter waives this right, you should ask the renter to issue a statement; If the house is sold without confirming this item, then the tenant can ask for the cancellation of the sales contract between the seller and the buyer, even if it is transferred, it can still be cancelled. Therefore, the tenant must give up the limited purchase right before the house can be sold, and the buyer should be informed of the existence of the tenant, otherwise the buyer will find trouble.

2. Don't entrust notarization with full authority

Many sellers still have loans on their houses and have no money to repay the loans, so they will entrust their houses to intermediaries or guarantee companies; Plenipotentiary, many intermediary companies will buy and sell the house without the consent of the seller, and often violate the seller's verbal and do not control the property according to the seller's wishes; However, the Shenzhen Notary Office requires that all notarial certificates be withdrawn, and many intermediary companies will block the notarial certificates and not return them to the seller, resulting in the seller's inability to control his own property, so we must pay special attention to this.

3. Pay attention to the collection of money.

The deposit contract is a practice contract. If it is a deposit, sign for the deposit; if it is not, don't sign for the deposit. If the agreement is only 5,, and 1, is given, once you sign for it, the deposit will be 1,. If the deposit is 1,, and you only sign for 5,, the deposit will be 5,. The first payment is best to find a bank, not an intermediary, and the buyer is required to supervise the funds. You must see the supervised funds or the bank's promised loans before you can handle it.

Summary: The above is the relevant content about whether the house is still on loan. Xiaobian also introduced the matters needing attention in selling the house. You can refer to the above content when selling the house, hoping to help you.

How to sell a house with a loan

If a house has a loan to sell, it can be sold in the following ways:

1. Mortgaging: that is, selling or transferring an individual house to a third person, and at the same time applying for a loan to change the loan term, the borrower or the property.

2. Pay off the remaining loan with the buyer's down payment: this method is suitable for the situation that the original owner's loan amount is low or the amount of the remaining loan is not large after a large amount of repayment. Usually, the buyer will recognize the down payment of 3% to 4% of the total turnover of the property, and the seller can use the down payment of the buyer to pay off the remaining loan, then cancel the mortgage registration of the property and proceed to the next transaction.

3. Use bank loans to pay off the remaining loans: If the seller wants to pay off the loans before selling the property or the buyer is optimistic but unwilling to buy the property with outstanding loans, this method can be adopted.

but only if the owner has collateral (such as other properties) approved by the bank to apply for a loan. In this way, the homeowner can lend a certain amount of money to the bank through mortgage to pay off the real estate loan he wants to sell, thus contributing to the success of the transaction.

things to pay attention to when buying a house with a loan:

1. Verify the real information of the house

Before buying a house, the buyer must go to the local housing management department to check the loan status and sealing-up status of the house. It's not possible to simply communicate with the owner, but to master the method and obtain the correct source of information.

property buyers can go to the Housing Authority to search the books and find out whether there are outstanding loans under the name of the house. Specifically, it is to verify the ownership of real estate by taking any one of the conditions of real estate address, land number, real estate certificate registration number and real estate certificate number as the index.

This is the end of the introduction about whether the house can be sold with a loan and whether the house can be transferred with a loan. I wonder if you have found the information you need?