1. Mortgaging: The so-called mortgaging mainly refers to the loan in which the borrower who has applied for personal housing loan in the bank requests the original lending bank to extend the loan term or sells or transfers the personal housing mortgaged to the bank to a third person and applies for personal housing loan to change the loan term, borrower or collateral. "Mortgage" means that during the repayment period of individual housing loan, the borrower sells the house as collateral, and with the consent of the loan bank, the buyer of the house continues to repay the unexpired loan of the seller.

2. sell after paying off the loan: it is more complicated to sell the house through refinancing, so is there a simple method? The straightforward way is for the owner to sell the house after paying off the remaining loan with a sum of money. In this way, the house mortgage can be released and the transaction can be made. How to collect the mortgage? It can be raised by the owner and used by the buyer's down payment. The owner can negotiate with the buyer to solve the problem, negotiate the price of the house, and repay the amount to the bank first, so that the mortgaged house can be sold smoothly.

What problems should I pay attention to when buying a house with a loan?

1. Pay attention to the loan amount: When buying a second-hand house, the loan amount is very important. There are many factors that affect the loan amount of a second-hand house, among which the evaluation value is very important. When applying for a second-hand housing loan, the lending bank will generally evaluate the property first, and the evaluation value will generally be lower than its market value. The bank's high loan amount is based on the low value between the contract price and the evaluation price, and then multiplied by the loan percentage.

2. Pay attention to the age of the house: the age of the second-hand house will affect the loan amount, as well as the quality and living comfort of the house. The completion date on the real estate license is often easily overlooked by borrowers. In fact, in the process of loan approval, banks usually regard the completion date as the main condition affecting the loan application period of lenders. The current policy of most banks is "house age+loan period ≤35 years".

3. Pay attention to the risk of buying a house: the risk of buying a second-hand house is relatively high, which is the common view of many buyers. If the second-hand house loan you bought is not settled, it is very likely that you will ask the buyer to pay in advance to cancel the mortgage of the house, and then go through the transfer procedures. At this time, everyone must pay attention to the detailed agreement in the contract and whether there is a penalty. In addition, everyone should have a certain understanding of the seller's credit and character.