The house can also be sold while the loan is still being repaid. At present, there are three main ways to sell houses with outstanding mortgages:

1. Handle mortgage transfer procedures: transfer the house with outstanding loan to a third person, so that the buyer can become the owner of the mortgaged house and continue to repay the mortgage loan.

2. Settle the mortgage in advance with the buyer's down payment: After settling the mortgage in advance with the buyer's down payment, you can get back the real estate license from the bank, and then you can sell it normally.

3. Repaying the mortgage with a loan: go to a bank or other financial institution to refinance, and use this loan to pay off the current mortgage, so that you can also get back the real estate license. However, this practice requires additional interest on the second loan, which reduces the income from selling houses.

Can you sell more houses that have been returned? Enter: See more.

Can the faster house be sold while the loan is still being repaid?

As long as the house has the property right certificate, the house can be sold if the mortgage is not paid off, that is, the house sales contract can be signed with the buyer, and the mortgage needs to be paid off before the transfer. The Housing Authority stipulates that houses that are mortgaged, restricted or sealed up cannot be transferred. When the house is transferred, it is necessary to ensure that there is no mortgage, restriction or seizure.

Legal basis:

Regulations on the Administration of Urban Real Estate Transfer

Article 5 When the real estate is transferred, the ownership of the house and the land use right within the occupied area of the house shall be transferred at the same time.

Article 14 The State implements the system of real estate transaction price declaration. When transferring real estate, the real estate owner shall truthfully declare the transaction price, and shall not conceal or falsely declare it. The transfer of real estate shall be based on the declared real estate transaction price as the basis for paying taxes and fees. If the transaction price is obviously lower than the normal market price, the assessed price shall be used as the basis for paying taxes and fees.

Can I sell the house that is still paying the mortgage?

First, the house that is repaying the loan can be sold:

1. Go to the bank and check the loan principal. After finding a new buyer, let the new buyer subtract the loan principal from the agreed house price in cash, go to the bank to go through the mortgage transfer formalities, and transfer the house and loan to the new owner.

2. Take money or borrow money to repay the loan, then sell the house and repay the loan after it is sold.

If the buyer has enough cash, let the buyer take part of the money to repay the loan first. After the mortgage was cancelled, it was renamed and the balance was paid off.

Second, the process of buying and selling houses for loan repayment:

1. First, the buyer and the seller sign the house sales contract, then the buyer and the lawyer sign the security guarantee contract for the sub-mortgage transaction, and then the buyer pays the seller 30% or the agreed down payment.

2. The seller applies to the original loan bank (called Bank A) for early repayment, obtains the confirmation letter issued by Bank A, and after receiving the bank's opinion of agreeing to early repayment, the seller delivers the house to the buyer, and the buyer applies to Bank B with the house sales contract, and submits relevant information such as the nature of the house and the lender's repayment ability recognized by Bank B before the loan can be started.

3. The bank loan is directly transferred to the seller's account. After the seller repays the loan from Bank A with this money, he will release the property and deliver it to the buyer for use, and jointly handle the transfer with the buyer and lawyer to mortgage the property to the buyer's loan bank.

4. When the seller needs to end the ownership of the house, the buyer begins to have the right to use the house and start to repay the loan. After the loan is repaid, the property will be released and owned.

Three, mortgage application materials:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).

Extended data

First, don't forget to surrender the loan in advance.

When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan. If it is a lender who settles the full balance, Hefu Microfinance is prepared to make a remaining loan line after the bank, so that the lender can take out the remaining money and repay the loan in advance.

Second, we can't ignore the oath.

The danger of the owner's falling price after the down payment is paid off. After the borrower settles the full amount in advance, the bank will show the settlement confirmation, and the lender will plan after keeping the copy of the loan settlement confirmation issued by the bank and the original system of each bank.

Third, prepayment needs preparation.

At present, some banks will release the pledge by themselves. After the pledge is released, the lender himself needs to go to the bank to get a house book. There will be changes. Banks stipulate that early repayment should be several times of 65,438+0,000, and some banks still need to charge a certain amount of non-repayment. If the depositor pays off the loan, he must not forget to pledge a certain loan and cannot ask for surrender.

Can I sell the house that is still paying the mortgage?

I finally got a down payment and bought a house with a bank mortgage loan, but life is always unsatisfactory. Some people may sell their houses for various reasons before the mortgage is paid off. So, can you sell a house that is still paying the mortgage like this? I believe many friends should not know, let's take a look.

1. Can I sell the house that is still paying the mortgage?

Real estate transactions must first clarify property rights, which means that the owner of the transaction must have a real estate license, but the real estate license of the house with mortgage is generally not in the hands of the owner. From this perspective, the house that is still paying the mortgage is theoretically not tradable.

Second, how to solve this problem?

Generally, mortgage loans have a long term. For those who are in urgent need of selling a house, they must not wait until the house expires. In fact, there are ways to solve such problems in real life.

Method 1: Use the down payment of the buyer to pay the outstanding loan.

This method is the most commonly used and practical method at present. Usually, in second-hand housing transactions, the buyer agrees to pay 30%-40% down payment in advance, and the seller can use this money to pay off the bank mortgage loan in advance, and at the same time apply to the bank for cancellation of mortgage registration, and then the property right transfer transaction can be carried out after obtaining the real estate license.

Method 2: Find other economic sources to pay outstanding loans.

The remaining loan funds can be temporarily borrowed from relatives and friends around. After successfully completing the bank mortgage settlement procedures and property transfer procedures, the house should be sold smoothly. At this time, the house price will be returned to relatives and friends. Of course, if the seller has other things as collateral, he can also apply for a loan from the bank with the collateral, and use this loan to repay the mortgage loan of the property. After the buyer pays the money for the real estate transaction, he can pay off the recent bank loan.

Abstract: The above is the answer to "Can a house still under mortgage be sold?" I hope it will help everyone. Under normal circumstances, if the loan is not paid off, you can't get the real estate license and you can't transfer the house, but there are still many ways to solve this situation.