How much is the loan house?
1, remortgage.
This is the simplest and most direct method. What does refinancing mean? Refers to the sale or transfer of personal housing to a third person, apply for personal housing loan to change the loan term, change the borrower or change the collateral loan. However, at present, there are very few banks that can refinance mortgages, so this method is used to transfer houses.
Different banks have different regulations on the way of refinancing. Some banks can handle it, but some banks do not handle this business, and refinancing is generally handled through intermediary companies. So if you have this intention, you can go to the relevant departments for consultation.
2. Pay off the remaining loan with the buyer's down payment.
This is the most common way of second-hand housing transactions at present. This model is only applicable to the situation that the seller's loan amount is low or the seller has paid off more than half of the loan, and the remaining loan amount is not large, and the buyer has sufficient funds to pay the down payment.
Generally, at this time, the down payment paid by the buyer will be the loan amount that the seller has not returned. In this case, the seller can successfully cancel the mortgage record of his own property, thus successfully transferring his own house.
3. Use bank loans to pay off the remaining loans.
If the above two methods fail, then the seller can consider using other collateral under his name to settle his mortgage. This method is that when the buyer wants to pay off the loan before selling the property, but the seller does not promise to pay a large down payment, the buyer needs collateral recognized by the bank to apply to the bank.
How to transfer a house by loan?
1, remortgage.
A simple and direct method, in the sale of second-hand houses, is to sell or transfer personal housing to a third person, apply for personal housing loan to change the loan term, change the borrower or change the collateral.
2. The seller pays off the remaining loan with the bank loan.
If the buyer is unwilling to buy the property with outstanding loan, the seller can use the bank loan to pay the remaining loan. But the premise is that the seller has collateral (such as other real estate) recognized by the bank. In this way, the seller can borrow a certain amount from the bank to pay off the real estate loan he wants to sell and promote the completion of the transaction. As far as Bian Xiao knows, the seller pays off the loan first, and then transfers the ownership with the buyer, so the buyer does not have to bear the foreclosure risk.
3. Pay off the remaining loan with the buyer's down payment.
This is the current application mode of second-hand housing transactions. This method is suitable for the case that the original owner's loan amount is low or the remaining loan amount is small after a large amount of repayment. Usually, the buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can pay off the remaining loan with the down payment of the buyer, and then cancel the mortgage registration of the property and make the next transaction.