Reason; Your loan has been processed, which means that your purchase contract has been registered in the housing management and bank, and you can't change the transfer of the purchase contract! Your loan has not been paid off, and the property right is mortgaged to the bank, which does not belong to you for the time being. You have no right to transfer, buy, sell or mortgage the property right of the house!

If you really want to sell, you need to pay off the loan, get the real estate license to decompress, cancel other warrants, find a buyer, go through the transfer formalities with her, and pay the transfer tax.

Question 2: Can the house being repaid be sold? How to repay the loan? You are a vegetable. According to you, you haven't even eaten bank shit.

There are two options:

1, please press:

The so-called mortgage, that is, the person who buys your house also needs a loan to buy it, and can't pay off the house price at one time. What you have to do (1) is to go to the bank to check how much principal you have left (that is, how much money you have, which is definitely not as small as you said160,000) and (2) for example, you need to borrow 200,000 (maybe more than that) from the bank to buy a house.

For example, if you want to sell back 360,000 yuan now, you still need the bank to give you 200,000 yuan, and the person who bought your house wants to borrow 260,000 yuan, then he only needs to give you 6,543,800 yuan. After all the formalities are completed, the bank will transfer the remaining 60,000 yuan to you (because someone borrowed 60,000 yuan more, and this 60,000 yuan is your house payment). You only need to go to the bank with him to handle the relevant mortgage transfer procedures and go to the Housing Authority to handle the transfer procedures ().

2. One-time payment: either you pay back the money yourself and redeem the real estate license to sell it to others, or the buyer helps you pay back the money to the bank and redeem it. But if the buyer redeems it for you, it will be very risky, because the name will still be your name after redemption. You run away, people's money is gone. Who would be so stupid to help you redeem it, so you can only choose mortgage customers.

Question 3: You bought a house with a loan, but the loan has not been repaid. Can the house be sold? Haha, this is a small problem. The house can be sold, but you should make it clear to the intermediary and the buyer in advance that you are buying a house with a loan and have debts. You can use the down payment paid by the buyers to repay the mortgage, and then go through the transfer procedures. This is a common problem in selling houses.

Question 4: Can I sell the house I bought with a loan, but the mortgage has not been paid off? If you want to sell the house after buying it, but the bank loan has not been paid off, you can apply for a mortgage loan.

The process of remortgage:

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.

Materials required for refinancing:

Information required by the original borrower:

1. Copy of ID cards of the borrower and the obligee;

2. Original real estate title certificate;

3. Original loan contract (mortgage contract);

4. The original of the first bank repayment form;

5. Copy of repayment card or repayment passbook;

6. Housing sales contract.

Information required by new borrowers:

1. Copy of ID cards of the borrower and the obligee;

2. Copy of the household registration book of the borrower and the obligee;

3. A copy of the borrower's marriage certificate;

4. The borrower and the borrower's income certificate;

5. down payment receipt;

6. Housing evaluation report;

7. Housing sales contract;

8. If the provident fund loan is accompanied by a provident fund account number;

9. If the consumer loan is accompanied by a consumer use certificate and a water, electricity and coal bill.

All copies shall be made on A4 paper.

Question 5: Can a house with a loan be sold? Should I repay the loan after selling it? First of all, if you want to sell, the loan must be paid off in one lump sum.

Secondly, you didn't get the real estate license. Did you buy an auction house? Generally, there is no real estate license, loans are more troublesome, and transaction risks are not easy to control. It is recommended to sell it after getting the real estate license.

If you don't have enough money to repay the loan, you can ask the buyer for a down payment to help you repay the loan, and then transfer the ownership after the mortgage is lifted. You can't handle the transfer formalities if your house is stamped!

Question 6: Can a house with outstanding loan be bought or sold? How to sell it? 1. During the loan period, your house should have been mortgaged to the bank. Without mortgage guarantee, the bank will basically not lend money.

You can resell the house. If your friend doesn't pay all the house payment in one lump sum, the procedure will be more troublesome and there will be more parties who need to coordinate.

First, you need to negotiate with the bank. If your friend's qualified bank can lend him money, you can coordinate with the bank to change the borrower of the house loan contract to your friend. I feel this step is the most difficult.

Second, if there is no real estate license, then the bank will let the developer bear the phased guarantee. In that case, there are three parties to the house loan contract, all of which need to be coordinated. Lenders, developers, banks.

Third, you need to coordinate with the developer to change the house purchase contract to your friend's name, otherwise the bank loan contract and other rights certificates can't be processed.

Generally speaking, it is difficult to change, but it is not completely impossible.

In addition, although it is a little troublesome, it is the safest way for Gong. Besides, there will be risks more or less.

Question 7: What if the house bought with the loan is sold? If you use the above method, then the balance refers to the principal of 654.38+0.9 million, not the principal plus 20 years' interest, but you may have to pay twice the interest included in the monthly payment in the month of repayment (it is a bit difficult to understand when you think about it slowly).

But there is another way, that is: remortgage.

"Mortgage" means that during the repayment period of individual housing loan, the borrower sells the house as collateral, and with the consent of the loan bank, the buyer of the house continues to repay the unexpired loan of the seller. Simply put, it is to buy and sell the house that is still mortgaged again, and the buyer of the house will continue to repay the mortgage of the seller. At present, there are two situations in the second-hand housing market: point-to-point mortgage and inter-bank mortgage. Due to the different credit standing, loan willingness, monthly payment ability and purchase fund arrangement of buyers, buyers can apply for different loan terms, loan amounts and repayment methods according to their own needs while refinancing. In practice, the re-mortgage is to repay the loan in advance for the seller, so the loan of the Korean side can be inconsistent with the outstanding loan of the seller.

Question 8: Can the house under loan be sold? Many property buyers bought a house and another one, often the first one has not paid off the mortgage. Can a mortgaged house be sold? How much should I sell it for? How long can the mortgaged house be sold? Query: I have a house now, which has been mortgaged for 2 years, but I just took over the house recently and haven't got a property certificate yet, but I want to resell it now because of work reasons. I want to ask what should I do now? How to pay back the bank money, cancel the mortgage, cancel the registration in the Housing Authority, and the buyer re-signs the contract with the developer for filing? Please. A: First of all, second-hand housing transactions must have real estate licenses, and only with real estate licenses can they be listed and traded. At present, the property has not obtained the title certificate, so the transfer formalities cannot be handled temporarily. If you want to change the contract name with the seller, you can ask the owner to negotiate with the developer to cancel the original contract for the record, and then the developer will re-sign the contract with you for the record. Whether it is renaming or canceling the contract for the record, it needs the consent and cooperation of the developer. However, before the termination of the contract, you need to apply to the Housing Authority before you can apply. If there are conditions for sale, you can go through the formalities of remortgage. First of all, you have to get the consent of the bank and apply to the loan bank first. At present, under normal circumstances, banks do not handle the formalities of remortgage. Generally, the homeowner pays off the loan by self-financing and takes out the real estate license; There are also some customers who pay part of the cash to the seller in the form of down payment to help them get back the real estate license, which depends on the degree of trust of the customer in the seller and the entrusted intermediary company, and this method is risky for the buyer and generally will not be accepted. At present, although the management department stipulates that second-hand housing transactions can be mortgaged again. But in practice, different banks have different regulations, so you need to consult the relevant banks. As far as we know, only China Construction Bank can handle mortgage transfer. At the same time, you need to entrust an intermediary to apply to the bank for re-mortgage. Second-hand housing mortgage business banks do not accept individual applications, you need to entrust an intermediary to implement. How to sell a house by mortgage First of all, the second-hand house that has not paid off the loan can be bought and sold in actual operation, but the corresponding work should be done in the early stage. The specific operation direction and steps should be based on the specific conditions of the property and the specific requirements of the owner. Secondly, it is best to pay off the loan before the second-hand real estate transaction. This will not only make real estate transactions faster, but also make buyers feel more at ease. So, how to sell the house that has not paid off the loan? Below, I would like to recommend several specific ways to buy and sell properties with outstanding loans. Please choose according to your specific situation and actual needs. The specific operation of buying and selling the property with outstanding loan: 1. Mortgage loan: The simplest and most direct way 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. However, some cities, such as Beijing, have suspended the remortgage business in second-hand housing transactions at the end of 2007. As far as I know, the main purpose of stopping refinancing this time is to control the potential risks of banks and squeeze out the real estate and stock market bubbles. However, according to industry experts' analysis, the remortgage business should not be permanently suspended. Therefore, I suggest taking a chance at the local bank before considering selling the property with outstanding loans. 2. Pay off the remaining loan with the buyer's down payment: this is the most widely used mode in second-hand housing transactions at present. 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. 3. Use the bank loan to pay off the remaining loan: If the seller wants to pay off the loan before selling the property or the buyer is optimistic but unwilling to buy the property with outstanding loan, this method can be adopted. But the premise is that the homeowner can apply for a loan only if he has collateral (such as other real estate) recognized by the bank. In this way, the homeowner can lend a certain amount of money to the bank through mortgage loan to repay the real estate loan he wants to sell, thus contributing to the success of the transaction. 4. Pawn financing: Pawn financing is characterized by fast payment and convenient procedures. As long as there are legal collateral (including jewelry, cars, etc.). ), you can lend money immediately after valuation. However, the disadvantage of pawn financing is that the rate is very high and the interest rate burden of the financier is heavy. Therefore, unless the buyer has recognized the house and promised to make a deal as soon as the loan is paid off, this financing method is generally not recommended. Related reading: When is the starting date of mortgage interest on the loan? > & gt

Question 9: Can the house be sold during the loan period? The house can be sold during the loan repayment period, but the transfer transaction can only be carried out after the mortgage state is over. In other words, you pay before the transaction.

Question 10: Can a house bought with a loan be sold? The loan house can be sold, but you need to repay the bank loan first. In fact, it can be solved by looking for an intermediary, and it is still very troublesome to handle it yourself. For example, what if you don't have the funds to repay the bank loan first? How to get back the property right certificate from the bank without repayment? If you don't have a title certificate, how can the seller pay you to buy your house? Besides, if the seller also borrows money to buy your house, the buyer and the seller will run by themselves, and there is no intermediary transaction, which is very troublesome. Now that the intermediary business is very poor, we can reduce their intermediary fees. Ha ha! I hope the answer can help you!