Houses with mortgages can be sold. The seller can apply for prepayment and sell the house after paying off the remaining loan. Because the property right of the house with outstanding loan can't be changed and the buyer can't get the property right certificate, he can only transfer the ownership after the loan is paid off. In addition, in addition to the homeowner's own mortgage repayment, you can also find a buyer who can pay the full amount. By leaving the last payment in the transaction, the homeowner pays off the loan with the money paid in advance, and then changes his name to transfer ownership.

Conditions of sale of mortgaged houses

1, got the property right certificate:

If the second-hand house wants to transfer in the housing management office, the most basic condition is to get the real estate license. If you don't get the property right certificate of the house, you can't handle the transfer. In this case, even if the landlord is willing to sell the house, it is difficult for the buyers to accept it, because they need to wait until they get the property certificate before they can transfer their ownership, and there are many uncontrollable risks during the waiting period. This fan friend does not meet this condition and has not got the property right certificate for the time being.

2. The house has not been restricted for sale or the restricted time has passed;

If the house has got the property right certificate, it depends on the city's unlimited sale. Take Chengdu as an example, a new house or a second-hand house needs to get a property right certificate for three years before it can be traded. That is to say, although the property right certificate has been obtained, it is impossible to handle the transfer formalities under the condition of restricted sales. If the house is restricted for sale, you need to wait for the limited time to handle the transfer. At present, many big cities have limited sales and small cities have limited sales.

3. Repayment of mortgage loan:

Meet the above two conditions, only pay the mortgage. For houses with outstanding mortgage, the property right status of the house is mortgaged, and the mortgaged house cannot be transferred. If you want to sell a house with a mortgage, you need to pay off the mortgage and cancel it. If the owner has no money to repay the mortgage, don't worry, you can negotiate with the buyers and use the down payment of the buyers to help settle the mortgage. If the buyers are unwilling to repay the mortgage in advance, they can choose to let the third-party company redeem the house, that is, repay the house in advance, which will lead to the cost of foreclosure. Before signing the contract, it is best to consult the prepaid expenses clearly, and then sign the contract after the owner accepts it, otherwise unnecessary disputes may occur later.

If the above three conditions are met, the house with outstanding mortgage can also be sold. Moreover, in addition to the need to make an appointment to repay the mortgage and cancel the mortgage, other aspects are the same as the full sale, so don't worry about the complicated process.