One mortgage, one mortgage. Transfer the remaining loan debt to the new buyer, but it needs the consent of the loan bank first, and the seller applies to the bank for changing the borrower, loan term and other information.

2. Pay off the loan with the buyer's down payment or full payment. If the buyer's down payment or full payment is enough to pay off the loan, the seller may apply to use the above funds to repay the loan in advance.

Legal basis:

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Can the house be sold on loan?

It can be sold, but the loan needs to be repaid.

Ways of buying and selling houses with loans:

1, remortgage

If there are still outstanding loans in the sale of second-hand houses, then buyers and sellers can go through the re-mortgage procedures when conducting second-hand housing transactions. Re-mortgage refers to the owner's intention to sell or transfer the house to a third person in order to apply for changes in the loan. But the limitation of this method is that few banks accept this kind of business.

2. The buyer pays the house price in advance.

If buyers and sellers trust each other, they can negotiate to pay off the mortgage loan of the house with the down payment paid by the buyers. This model is suitable for homeowners with low loan amount or most loans have been paid off, leaving only a small amount of loans. In the process of second-hand housing transaction, the buyer will agree to pay 30%-40% of the total turnover of the property in advance. In this case, the seller can choose to pay off the remaining loan with the buyer's down payment, and then apply to the bank for cancellation of the mortgage registration of the property, so that the next transaction can be carried out.

3. Loan repayment

Sellers can also borrow money from relatives and friends around them for a period of time to repay the remaining loans. After successfully handling the mortgage cancellation and transfer procedures, they can successfully sell the house and then return the money to their relatives and friends. This is a more convenient and quick way. You can also borrow a certain amount of money from the bank through mortgage loan to pay off the real estate loan you want to sell, and then pay off the bank mortgage loan after the buyer pays off the full amount.

How much is a house with a mortgage?

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

1. Mortgage refers to the sale or transfer of personal housing to a third person, and at the same time, apply for a loan to change the loan term, borrower or real estate.

2. Pay off the remaining loan with the down payment of the buyer: this method is suitable for the situation that the original owner's loan amount is low or the remaining loan amount is not large 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 pay off the remaining loan with the down payment of the buyer, and then cancel the mortgage registration of the property and make the next transaction.

3. Use the bank loan to pay off the remaining loan: 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 lend a certain amount of money to the bank through mortgage loan to repay the real estate loan he wants to sell, thus contributing to the success of the transaction.

Matters needing attention in buying a house with a loan:

1. Verify real estate information.

Before buying a house, buyers must go to the local housing management department to inquire about the loan and seizure of the house. You can't simply communicate with your host, you should master the method and get the correct source of information.

Property buyers can go to the Housing Authority to check the books and see if there are any 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.

2. Pay attention to the safety of funds

Generally, when buying a house without repayment of the loan, the seller will let the buyer repay the mortgage first. If the buyer doesn't trust the seller and is worried about the safety of funds, he can trade through a third-party supervision account instead of the seller's personal account.

If the seller is tough, afraid of trouble and refuses to supervise the funds, and the buyer wants to help contribute, then he would rather spend money to find a third-party company to contribute, and the third-party company will investigate and evaluate the reliability of the owner, so as to spend some money to transfer the risk.

3. notify the registration in advance to prevent one room and two sales.

Advance notice registration is to prevent buyers and sellers from signing a house purchase contract, but the transfer has not yet been handled. During this period, the property right certificate remains in the hands of the seller, and the owner can still mortgage the house secretly. After the advance notice registration is completed, the owner has no right to mortgage or guarantee the house or change the owner of the house without the consent of the purchaser.

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 transfer the mortgage from the bank to realize your desire to raise funds to sell the house. 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.

Can a house with a loan be sold?

Nowadays, many young people choose mortgage loans when buying a house. Mortgage loan can not only relieve the pressure economically, but also be redundant in the follow-up investment. Usually, the term of mortgage loan is 20 to 30 years. The house wants to be resold during the loan period. Are these circumstances allowed? Next, Bian Xiao will introduce this loan company to you. Can you sell it?

Can the house with loan be sold?

Houses with loans are still mortgaged in principle and cannot be listed and traded. In other words, the bank will set a mortgage on the original house when handling the loan. According to the Property Law, the mortgagor shall not transfer the mortgaged property without the consent of the mortgagee during the mortgage period. But unless the transferee pays off the debt and eliminates the mortgage, that is to say, if a buyer is willing to pay off the bank debt for the property owner, he can also resell it. Because if the loan is not paid off, the property right cannot be changed, and the property buyers can't get the property right certificate, so they can only transfer the ownership after the loan is paid off.

How to borrow money to sell a house?

1, remortgage

Mortgage means that the owner sells the house as collateral, the loan is approved by the bank, and the buyer will continue to repay the seller's unexpired loan in the future. In other words, if you want to sell the house under the loan, you need to transfer the house loan to the buyer's name so that the buyer can continue to repay the buyer's mortgage loan.

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

Homeowners can apply to the bank for early repayment, and mortgage to buy a house can sell and rename the house after the loan is paid off.

Bian Xiao's conclusion: The above content is about whether the loan house can be sold. I hope I can help you. I believe that after reading the above, you will know more about the sales of loan houses. If you encounter such a situation in the future, you can refer to it.