Nowadays, many young people need to live in other cities because of their work, but the houses they bought can't be moved and they can only be resold. But most people are mortgage to buy a house. The mortgage has not been repaid, can it be sold? So can the following small series share the mortgaged house for everyone to sell?

1. Can the mortgaged house be sold?

First of all, you need to understand that houses that haven't paid off their loans can also be sold, but there must be housing warrants provided by the state, because the sale of second-hand houses mainly depends on real estate licenses.

If the house you bought has been loaned, but the house is still under construction, you can change the name in the contract and resell the house. Need to negotiate with the developer first. After the developer agrees, the original contract shall be cancelled for filing, so that the buyer and the developer can re-sign the contract, and then it can be filed.

Second, how to sell the mortgaged house?

If the mortgage has not been repaid, you already have the real estate license, and you can resell it in the following three ways:

First, re-mortgage, that is, sell or transfer the house to a second person, and apply for changing the term of individual housing loans and borrowers. The simplest and most direct way to mortgage a house is as follows:

1. Both parties sign the house sales contract;

2. The seller, the buyer and the lawyer shall sign a security guarantee contract for the sub-mortgage transaction;

3. Buyers need a down payment;

4. If the seller wants to apply for a one-time loan repayment from the bank, it also needs to provide a confirmation letter;

5. The buyer can apply for a second-hand housing mortgage loan from the bank and provide relevant information;

6. The seller delivers the house to the buyer;

7. The bank needs to be audited, and if it passes, it can lend money, and the bank will transfer the money to the seller;

8. After receiving the payment, the seller shall cancel the contract and register the mortgage with the original loan bank, and transfer the ownership with the buyer and lawyer to mortgage the house to the buyer's loan bank;

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

Second: the buyer pays the down payment to the seller, and the total turnover is generally 30% to 40%. The seller can use the buyer's down payment to settle the remaining loan and then cancel the mortgage registration of the property, so that the next transaction can be carried out.

This method is suitable for the situation that the original owner's loan amount is relatively low or there are not many outstanding loans, and it is the most used way for second-hand housing transactions at present. The process is as follows:

1. The seller applies to the bank for prepayment;

2. The seller goes to the loan bank to repay in advance and has enough money for the bank to deduct money;

3. After the repayment is completed, the seller can go to the bank for settlement the next day;

4. The bank will give a release material;

The seller also needs to go to the guarantee company to handle some related procedures. If no guarantee agreement is signed, this step can be omitted;

6. The seller also needs to register and release the real estate at the location of the house before handing over the house to the buyer.

Third: If the buyer does not agree to pay the seller to pay off the loan, the seller can choose to use the bank loan to pay off the remaining loan, but he needs something that the bank thinks can be mortgaged.

If this condition is met, the seller will borrow from the bank through mortgage, settle the remaining loan of the house, cancel the mortgage of the house, and then conduct the transaction.

At the end of the article, I wrote: The above is about whether the mortgaged house can be sold. I will introduce it to you here, hoping to help you. Now you can buy a house with confidence, even if you buy a house with a mortgage loan, you can also conduct a second transaction through this method.

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