Can a mortgaged house be sold? Can you sell a house that has been supplied for one or two years? How much is the mortgaged house? Many property buyers often have such doubts when they want to sell their houses because they are in a hurry to use money after buying a house. The mortgaged house can be sold. The following small series will answer the question of how to sell the house in the mortgage in detail.

First, how to sell the mortgaged house?

Do you know that?/You know what? Do you know that?/You know what? Even if the house has not paid off the loan, the buyer can sell the house. If you don't have a house to sell, there are two ways to choose:

1, choose to repay the loan in advance (there are three solutions);

2. Choose to refinance.

Two, three ways to repay the loan in advance

Generally speaking, the specific operation needs specific analysis of specific problems.

It's easier if the buyer pays the full amount. The seller needs to apply to the bank for prepayment, and then the house will be mortgaged. Some property buyers are worried about paying liquidated damages for prepayment. In fact, generally speaking, after the loan is over one year, banks usually don't charge liquidated damages.

1, self-raised funds to repay the loan

When transferring property rights in real estate transactions, you need to submit the property ownership certificate. After the loan is paid off, you need to go to the property right office to get the "Property Ownership Certificate" by virtue of the relevant procedures of the loan being paid off, and then you can handle the property right transaction and transfer.

2. Ask the buyer to contribute to repay the loan.

Signing an agreement with the buyer to stipulate the conditions of buying a house, such as who should pay taxes, can guarantee the interests of both parties. If the seller is unable to repay the loan, but the buyer is able, then the buyer can negotiate to pay off the loan first and then transfer the ownership.

In this way, because there are certain risks for buyers, although they can be properly eliminated, generally speaking, the key depends on whether the buyers are willing.

3. The cost of loan repayment shall be borne by the real estate agency.

Buyers can choose a formal real estate agency to repay the loan. It must be noted that when choosing an intermediary, we should choose an intermediary company with financial strength, good reputation and rich business experience. This can not only meet the capital needs of the owners, but also assume the responsibility of supervising the transaction funds.

3. What is "sub-mortgage"?

"Mortgage" refers to the house sold by the owner as collateral before the mortgage is paid off. With the consent of the loan bank, the house buyer can repay the loan that has not yet expired instead of the seller.

Fourth, how to handle the "mortgage"?

First of all, buyers and sellers must go to the loan bank to check whether the loan bank agrees to refinance the mortgage; If you agree, you need to ask the loan bank about the qualification requirements of the buyer and the seller, what information you need to provide and what procedures you need to go through. Secondly, for buyers and sellers who meet the trading conditions, the mortgage transfer procedures shall be handled according to the requirements of the loan bank.

However, there are many restrictions on the operation mode of "remortgage". The actual situation is that few banks can handle remortgage business.

(The above answers were published on 2017-12-18. Please refer to the actual situation for the current purchase policy. )

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