1, remortgage

Mortgage literally means that the borrower of the mortgage transfers the house to another person with the consent of the loan bank, and the unexpired mortgage is repaid by the buyer of the house. In other words, in order to borrow money to sell a house, the bank needs to agree to refinance the mortgage, and the buyer agrees to continue to repay the seller's remaining outstanding loan. Generally speaking, there are two situations: peer-to-peer mortgage transfer and inter-bank mortgage transfer. According to the buyers' loan willingness, repayment ability, credit information and purchase funds, when refinancing, buyers can also apply for different loan methods according to their own economic conditions.

2. Pay off the remaining loan with the buyer's down payment.

It is very common for the seller to pay off the remaining loan with the buyer's down payment in the second-hand housing market, and it is also a way used by many people. The technical term is foreclosure, which is suitable for the situation that the seller's loan amount is relatively low or most of the loans have been paid off, and the remaining mortgage amount is not large. Generally, when dealing with second-hand houses, the down payment of the house is 30% to 40% of the total amount of the house. If the remaining loan funds are not much, the seller can completely pay off the remaining balance of the bank with the buyer's down payment, redeem the real estate license, and then transfer the property right with the buyer. However, the buyer's down payment to redeem the building has certain risks for the buyer, and the buyer may agree to this way.

3. The seller pays off the mortgage before the transaction.

If the remaining amount in the mortgage is relatively large and there is no way to mortgage the loan, the seller can consider using other fixed assets to mortgage the bank, and the loan money can be used to repay the balance of the house to be sold. Get the real estate license to cancel the mortgage, and then wait for the buyer to pay the house price before paying back the money borrowed by the bank. Although sellers rarely use this method, it is still feasible if there is too much mortgage left to mortgage.