At present, many owners will consider selling their original houses and buying new ones because of their children's school problems or job changes, but they are also facing many problems. For example, if I sell the house I bought before buying it, is it the first suite? What are the procedures and procedures for selling mortgage houses? Today, let Xiao Bing share with you some knowledge about whether the house bought by loan is sold before buying a house, whether it is the first suite, and what are the procedures for buying and selling mortgage houses.

First, is it the first set you bought after you sold the house with a loan?

Banks in different cities have different standards for identifying the first suite and need to consult local policies. The following aspects can be used as a reference:

1. As long as the owner sells the original house and gets a loan, it is the first set for a bank with a relatively loose first suite.

2. For a relatively strict bank, if the owner does not sell the original house, but pays off the loan, buying a new house is still a second suite. If you sell the house and buy a new house after paying off the loan, it can be counted as the first house.

Some banks have very strict standards. If you have borrowed money to buy a house before this, all the houses afterwards cannot be counted as the first house.

2. What are the procedures and procedures for selling mortgaged houses?

The procedures and formalities for selling mortgaged houses are as follows:

1. The buyer and the seller sign a purchase contract.

If both parties reach a house purchase agreement after viewing the house, they can sign a house purchase contract and pay the down payment for the house.

2. The seller applies to the loan bank for prepayment.

Before mortgage to buy a house, you must apply to the bank that handles the loan for prepayment, so as to ensure the smooth progress of the subsequent house selling process.

3. The post-loan management department of the bank issues the materials for canceling the mortgage.

After the seller pays off the bank loan, he needs the bank to issue the mortgage cancellation materials, and the seller needs to go to the housing management office to apply for the real estate mortgage cancellation registration certificate.

4. The buyer applies to the loan bank for a second-hand house mortgage loan.

After the seller repays the mortgaged house in advance, as the buyer, he can take a loan to buy a house or choose a one-time payment. If he needs to choose a loan to buy a house, he needs to apply to the bank.

5. Handle the transfer procedures of second-hand houses.

After receiving the payment, the seller can go through the transfer formalities and pay certain taxes.

The above is the first house that Bian Xiao bought with the loan you shared. What are the procedures and procedures for selling mortgage houses? I hope it helps you. Want to know more about the process of selling a house by mortgage, please continue to pay attention.