With the rise of house prices in recent years, fewer and fewer people can buy a house in full. Generally, houses are bought through bank loans, and the loan time is mostly in twenty or thirty years. However, many people need to sell their houses for various reasons after three to five years, so now many people will encounter such properties in the second-hand housing market, that is, the houses mainly sold by the original houses are still in the state of unpaid loans, so can we borrow money to buy a house? What problems should be paid attention to in the sale of second-hand houses? Let's have a look.

Can I borrow money to buy a house?

The answer is, of course, yes. As we all know, as long as the loan is not paid off, the house you bought is actually mortgaged to the bank. You can't trade the house until the loan is paid off. Then at this time, we just need to find a way to pay off the loan quickly. For us, there are three ways to pay off the loan:

The first type: mortgage to mortgage.

Many people don't quite understand refinancing. Simply put, it is actually to transfer the remaining loan debt of their house to new buyers. However, if you want to apply for refinancing, you must first obtain the consent of the lending bank. The seller needs to apply to the bank in advance to change the borrower, loan term and other corresponding information. Moreover, if buyers and sellers apply for mortgages from different banks, it will involve inter-bank mortgage transfer, and there will still be certain limitations.

In addition, many banks have different regulations on refinancing. Some banks can refinance mortgages, while others simply don't accept this method. And the types of houses are different, and the rules of banks are different. Therefore, the specific information needs buyers to go to the bank for relevant consultation before they can understand it!

Second: use the buyer's down payment to pay off the remaining loan.

Generally speaking, this process is relatively simple. First of all, the seller needs to apply to the loan bank for early repayment, and the buyer pays the remaining loan amount of the seller as the down payment, and signs the house sales contract in the presence of the guarantee company. When the seller goes to the bank for prepayment, he must deposit the full amount into the repayment account in advance, and then go directly to the bank for settlement. Secondly, after the post-loan management center of the bank issues mortgage release materials to cancel the original owner's house, the seller needs to cancel the mortgage at the real estate registration center where the house is located, and the seller owns the house, and then the buyer and the seller can continue to handle the remaining procedures for the sale of the house.

Third: mortgage the bank with other collateral.

If the buyer is unwilling to use his own money to repay the mortgage in advance, the seller can also think of other ways, such as mortgaging his car and house to the bank, so as to get a certain loan to pay off the mortgage. Although it feels a bit like robbing Peter to pay Paul, it is also a solution for those who are in urgent need of selling houses. You can also complete the transaction with the buyer after paying off the mortgage and releasing the house.

Although the release time varies from place to place, the release process is basically the same. The first thing is to contact the bank to make an appointment for mortgage issuance, and at the same time go to the bank to repay in advance. After that, you can go to the bank to go through the settlement formalities with related things, print the repayment list, and then you can go to the bank to take out the mortgage materials and go to the relevant places to cancel the mortgage.

What problems should be paid attention to in the sale of second-hand houses?

1. How to verify the identity of the seller?

Many sellers are under the banner of property owners, but they are not real homeowners. Buyers often fall for a moment's negligence, so be sure to find out the identity of the seller. Property buyers should negotiate the transfer price with the seller after selecting the housing, and check whether the ID card of the seller and the owner of the house on the real estate license is consistent. If there are more than one * * * people in the house, all * * * people need to sign the house sales contract.

Second, how to choose an intermediary when buying a house?

If you choose an intermediary, you should choose a formal real estate agent with a certain degree of credibility. If necessary, you can check the two certificates that the intermediary agency should have, one is the business license issued by the industrial and commercial department, and the other is the qualification certificate of the intermediary service agency issued by the Guangzhou Municipal Commission of Housing and Urban-Rural Development, which is the premise of the precautions for buying second-hand houses.

3. Is the property right of the house clear?

Go to the Housing Authority to check the seller's real estate license. View:

1. Whether the owner of the real estate license is the same as the seller, check whether the name in the seller's ID card or industrial and commercial file is consistent with the owner of the house on the real estate license. There are no mistakes in principle.

2. Whether the area confirmed by the real estate license is inconsistent with the actual area.

3. See if there is a house owner in the house. If the house is owned by more than one person, the seller shall provide the identity certificate of the owner and a written document agreeing to sell the house; If the husband and wife have property, whether to obtain the written consent of the seller's spouse; If the house has been leased, the seller shall provide the written opinion of the lessee agreeing to sell it; If the house has been mortgaged, the seller must provide the mortgagee with a written document agreeing to sell the house. Don't ignore these precautions when buying second-hand houses.

Fourth, verify whether the house is allowed to buy and sell?

Never buy these houses;

1. Houses that have been included in the demolition announcement or requisitioned by the state.

(2) Houses sealed up by people's courts or administrative organs according to law.

3. Houses with illegal or illegal construction.

In addition, if the purchased house is a public house, the seller shall provide the approval of the government department for its listing transaction; Since the original unit of public houses generally reserves the preemptive right to public houses, the seller shall be required to provide written opinions on giving up the preemptive right.

If the house is privately built, it is also very troublesome, so check whether there are platforms and corridors occupying the roof; Or whether there is a small attic in the house; Have you changed the internal and external structure of the house, such as changing the balcony into a bedroom or kitchen and dividing a room into two rooms? Only by following the precautions for buying second-hand houses can we further sign the contract.