According to the normal process, the mortgaged house cannot be bought or sold. If you want to buy or sell, in addition to repaying the loan in advance, you can consult the bank to see if you can transfer the loan to the buyer. But at present, not all banks can carry out this business, so you need to consult the loan bank. The best way is to take money or loan yourself, and then complete the transfer of property rights after the loan is paid off, and then buy or sell the house.

At present, many mortgage houses are being sold at relatively low prices. Under normal circumstances, the loans we sign with banks are all for 20 or 30 years. If the agreement is to be repaid in advance just after signing, you need to pay a certain penalty. For example, in this case, we can discuss with the buyer whether we can pay the down payment to supplement the loan difference, pay off the loan first, then sign the sales contract, and then mortgage the house for other transaction procedures after the transfer is completed.

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