After buying a house for three years, I want to sell it, but I can apply for remortgage if the bank loan has not been paid off.

The process of remortgage:

1. The buyer and the seller sign a house sales contract;

2. The buyer and the seller sign a security guarantee contract for the sub-mortgage transaction with the law firm;

3. The buyer pays a down payment of 30% of the house price;

4. Letter of confirmation that the seller's loan bank agrees in writing to repay the loan in advance in one lump sum;

5. The buyer applies to the loan bank for second-hand housing mortgage loan according to the aforementioned documents and personal credit documents;

6. The seller actually delivers the house to the buyer;

7. Lend money after bank review and transfer it to the seller's bank;

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 it to the buyer's loan bank;

9. The buyer's loan bank will pay 30% of the down payment to the seller.

Extended data:

Evaluation of selling houses:

1. When both parties declare their transaction price to the real estate management department, if the real estate management department thinks it is obviously lower than the market value, they will entrust a professional appraisal agency with certain qualifications to evaluate the traded real estate, and take the evaluated price as the tax basis.

In addition, in order to determine a reasonable transaction price, both parties to the transaction can also entrust an evaluation firm to make an evaluation, taking the evaluation price as a reference for the transaction price.

2. Real estate insurance needs to evaluate the real estate, which is divided into the insurance value evaluation when the real estate is insured and the loss value or loss degree evaluation after the insurance accident. The insurance value evaluation of real estate insurance is to evaluate the value of buildings that may suffer losses due to natural disasters or accidents.

3 involving land acquisition and demolition, compensation assessment shall be carried out.

4. In real estate appraisal cases, an authoritative professional real estate appraisal institution may be entrusted to scientifically evaluate the value, transaction price, cost, rent, compensation amount, compensation amount and appraisal result of the disputed real estate involved, and put forward objective, fair and reasonable opinions, so as to provide reference for settlement by means of agreement, mediation, arbitration and litigation.