Houses with outstanding loans can be bought and sold, but the premise is that they must obtain the nationally recognized house ownership certificate, because the second-hand housing transaction is based on the real estate license. If you have bought a house with a loan, but the house is still under construction, you can transfer the house by changing the name of the contract. You need to negotiate with the developer first. After obtaining the consent, you can cancel the original contract for filing first, and then let the buyers and developers re-sign the contract and file it.
Mortgage refers to the sale or transfer of personal housing to a third person, application for personal housing loan to change the loan term, change the borrower or change the collateral. It is a simple and direct transaction method for mortgaged houses. Or use the buyer's down payment to repay the remaining loan, that is, the buyer pays the seller a down payment, which is generally 30% to 40% of the total turnover. The seller can use the buyer's down payment to pay off the remaining loan, then cancel the mortgage registration of the property and make the next transaction.
How many years is the best time to buy and sell mortgage houses;
Mortgaged houses need to pay business tax and personal income tax within five years, basically all kinds of taxes. The taxes involved are 5.6% business tax, 20% individual tax and 1% or 3% deed tax. But as far as the Beijing market is concerned, these taxes and fees are basically paid by the buyer. You can consider selling your house when it is five years old.
Second, how to sell the mortgaged house is as follows:
1, remortgage. Selling or transferring personal housing to a third person, applying for personal housing loan to change the loan term, changing the borrower or changing the mortgage loan is a simple and direct transaction method of mortgaged housing, and the process is as follows:
(1) Both parties sign a house sales contract;
(2) The buyer, the seller and the lawyer sign a security guarantee contract for the sub-mortgage transaction;
(3) The buyer pays the down payment;
(4) The seller's loan bank agrees in writing to prepay the loan in one lump sum, and issues a confirmation letter;
(5) The buyer applies to the loan bank for second-hand house mortgage and submits relevant materials;
(6) The seller delivers the house to the buyer;
(7) Lend money after the approval of the bank, and transfer the money to the seller's loan bank account;
(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 the house to the buyer's loan bank;
(9) The buyer's loan bank pays the down payment to the seller.