The house can be sold by mortgage, but the loan needs to be paid off before the sale, and the transaction can only be handled after the house is mortgaged. Mortgaged house, the property right is mortgaged in the bank, and the owner of the house does not own the full property right of the house. It is necessary to pay off the loan and obtain the full property right before trading.

The process of selling a house with a mortgage

1. The buyer and the seller sign a house sales contract;

2. The buyer and the seller sign a security guarantee contract for the sub-mortgage transaction with the law firm;

3. The buyer pays down 30% of the house price (according to the principle of lower transaction price and evaluation price, the evaluation is exempted within one year, subject to the original purchase price);

4. Letter of confirmation that the seller's loan bank agrees in writing to make a one-time prepayment (including the principal and interest of the funds owed and the repayment account number);

5. The buyer applies to the loan bank for second-hand housing mortgage loan according to the above documents and personal credit documents (loan application, lawyer's preliminary examination and bank review);

6. The seller actually delivers the house to the buyer;

7. Lend money after bank review and transfer it to the seller's bank;

8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages it to the buyer's loan bank;

9. The buyer's loan bank will pay 30% of the down payment to the seller.

Problems that should be paid attention to in housing sales

1. Ask the loan bank first whether the mortgaged house can be mortgaged. If so, the money you still owe the bank will be directly transferred to the person who wants to buy a house. If the buyer doesn't want to mortgage (that is, continue to mortgage with the bank), he can also mortgage and pay off the bank's money directly without bearing the loan interest.

2. The transaction can be made after the button is improved. Of course, the money owed to the bank has been deducted from the money received from selling the house. If the lending bank is not allowed to refinance, we can only see if we can find a guarantee company to redeem the house deed (that is, pay off the money owed to the bank). Of course, the guarantee company will not be Lei Feng and will charge a fee.

3. If you can't find a guarantee company or the guarantee company you found refuses to redeem the deed, you can only find ways to raise money to redeem the deed yourself. Redemption is equivalent to canceling the mortgage relationship of the original house. In this case, the house can be traded.

4. If the house is not mortgaged when buying, when signing the house sales contract, it is agreed that the buyer will pay the remaining purchase price to the seller at the same time as the transfer of the house property. If you want to mortgage, it depends on whether the buyer goes to the bank to apply for a mortgage loan or finds a loan intermediary or company to apply for a loan.