Yes, a mortgaged house can be traded as long as it has a real estate license. Generally speaking, there are two common trading methods. First, you can apply to the loan bank for refinancing, but not all banks will approve for every customer, and refinancing must be approved by the bank. The other is to pay off the mortgage before the transaction. If the remaining loan balance is not much, you can use the buyer's down payment to repay the loan in advance and then trade the house to the buyer. Or let the buyer repay the mortgage first, and then deduct the difference after the house mortgage is completed.

What are the conditions for mortgage loan?

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

Can a mortgaged house be mortgaged?

A house under mortgage repayment can apply to the bank for a second mortgage. When doing two mortgage, you need to pay attention to the following points:

1. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;

2. The house used for personal housing in the second mortgage must be an existing house;

3. The house is a first-hand house purchased with a mortgage loan from China Bank;

4. The house has excellent location, convenient transportation, complete facilities and great appreciation potential.

When can I get a loan to buy a real estate license?

Even if it is a loan to buy a house, the buyer can get the real estate license, and the time for handling the real estate license will generally be reflected in the purchase contract signed by the buyer. Under normal circumstances, the title certificate should be handled within three months after the delivery of the house, and the purchase of existing houses or second-hand houses should be handled within three months after the signing of the contract. However, for Lala, a homebuyer who bought a house with a loan, if the mortgage business is handled after buying a house, most banks will register the mortgage with the real estate license after it is issued.

Different banks have different regulations on loans. Of course, the time to get the real estate license is different. Some banks voluntarily return the title certificate after mortgage registration, and some banks are required by lenders. At present, most banks will keep the original title certificate until the loan is paid off, so the time for buyers to get the title certificate is also related to the bank's regulations.