Commercial housing during the loan repayment period, which could not be sold originally, can now be sold by refinancing. First of all, it needs to be clear that houses that have not paid off loans can be bought and sold, but the premise is that they have obtained nationally recognized housing warrants, because second-hand housing transactions require real estate licenses.

If you have bought a house with a loan, but the house is still under construction, you can transfer the house by changing the name of the contract. You need to negotiate with the developer first. After obtaining the consent, you can cancel the original contract for filing first, and then let the buyers and developers re-sign the contract and file it.

Introduction to real estate rights

The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered. The registration of real estate shall be handled by the registration agency where the real estate is located. The state implements a unified registration system for real estate. The scope, organization and method of unified registration shall be stipulated by laws and administrative regulations.

It is a local tyrant's practice to pay off the remaining mortgage directly. If we have no money, we can refinance the mortgage. Converting the mortgage does not directly transfer our mortgage to the buyer. In fact, these two loans are completely independent, and the term of the owner's quota interest rate is not directly related to that of the buyer.