1, mortgage to mortgage

It refers to transferring the remaining loan debt to a new buyer, but it needs to obtain the consent of the loan bank first, and the seller applies to the bank to change the borrower, loan term and other information. In addition, if buyers and sellers apply for mortgages from different banks, it will also involve inter-bank mortgage transfer, but not all banks support this business, which has certain limitations.

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

If the buyer's down payment or full payment is enough to pay off the loan, the seller can apply for early repayment with the above funds, which is the most common method. Of course, it depends on the financial situation of the buyer. If the other party has limited economic capacity and needs to raise funds, coupled with the tightening of credit policy, the period for banks to approve mortgages will become longer, so it is necessary to be cautious when rushing to sell houses.

Taking the house donation behavior as an example, the following conditions shall be met:

1. The donor must be the owner of the house property and have full capacity for civil conduct; ?

2. Donated houses must have legal ownership certificates, and there is no property right dispute; ?

3. Both the donor and the recipient are voluntary, and there is a written gift agreement (contract) and notarization;

4, housing gifts must be registered by the real estate management authority, audit, property transfer procedures; ?

5. Beneficiaries must pay taxes and fees in accordance with relevant regulations;

6. Do not set gifts to avoid the legal obligations that should be fulfilled, such as debt performance and labor remuneration; It is also not allowed to set up gifts to avoid the management of laws and regulations, such as paying taxes and fees. In a word, housing donation shall not harm the public interest or the legitimate rights and interests of others.

Refer to the above? Baidu Encyclopedia-Housing Donation, Xiangyang Municipal People's Government-How to get rid of other people's names before the loan is paid off?