With the rising price of new houses, more and more buyers choose loans to buy second-hand houses. Then the problem is coming. Do you know what to pay attention to when buying a second-hand house loan? How long can the second-hand house bought by loan be sold? Let me give you a brief introduction.
How long can the second-hand house bought by loan be sold?
Second-hand houses bought with loans can be sold at any time, as long as the name on the real estate license is changed to the buyer's name. However, there are certain taxes and fees to be paid. Usually, the taxes and fees to be paid for selling second-hand houses for less than two years will be relatively high.
What should I pay attention to when buying a second-hand house loan?
1. The age of the second-hand house will affect the loan.
There are many factors that affect the loan to buy second-hand houses, among which the age of second-hand houses has become the auditing standard for some banks to lend. Generally speaking, the older the house, the lower the loan amount, and even the bank may refuse the loan. The current policy of some banks is that "the loan period of house age should be within 30 years". Therefore, when buying a second-hand house, everyone should try to choose a house with a small age.
2, housing property rights
In addition, housing property right is also a common problem in second-hand housing transactions. Buying a second-hand house must first ensure that the property rights of the house are clear, because some second-hand houses cannot be loaned, such as relocated houses, resettlement houses and small property houses. Property buyers must pay more attention to whether the property has a property certificate when choosing a house.
3. Pay attention to personal credit information
As we all know, many details in daily life will affect personal credit information, so it is particularly important to maintain a good credit record. In addition, personal credit information will directly affect the bank's evaluation of the lender's repayment ability. If the personal credit is not good, it is very likely that the bank will refuse the loan. At present, credit files mainly include these items, namely credit cards, real estate mortgage loans and other types of loans.
Editor's summary: after reading the above introduction, I believe that everyone has a further understanding of how long it takes to sell the second-hand house bought by loan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.
Can I sell the house I bought with a loan?
The house bought by loan can be sold, but the premise is to pay off the loan, because according to the current national regulations, after the house is mortgaged to the bank, all the property rights of the house no longer belong to the individual. If the loan is not repaid on time as agreed in the contract, the bank has the right to deduct money after the house is sold, so the house still being repaid can only be transferred normally after all the loans are paid off and the mortgage is released.
Whether buying a new house or a second-hand house, we must first clarify the property rights of the house, especially the second-hand house. Most of them are loans to buy houses. The property rights of these houses are not in the hands of individuals. Some sellers will propose to pay the down payment as a house loan, return it to the bank first, and then handle the property handover. In fact, the risk of doing so is relatively high. If it is not particularly familiar or guaranteed, it is not recommended to buy a house like this. Therefore, no matter what kind of house you buy, the preconditions need to be obtained.
Yoshiya real estate encyclopedia, buying a house needs more knowledge.
Is there a loan for selling a house?
Now people who buy a house will choose a loan to buy a house, and even fewer people will pay in full. But there are also many people who are eager to buy a house before the loan is paid off. Let's take a look with Bian Xiao. Is there a loan for selling a house?
Is there a loan for selling a house?
The house can be sold on loan. Make sure you have a real estate license before you sell it. Second-hand market transactions are generally based on real estate licenses, which can only be listed and traded. Without real estate license, there is no property right, so you can't transfer ownership, which means you can't buy or sell houses.
How to sell a house with a loan?
1. Lending: selling or transferring individual housing to a third party and applying for changing the loan term of individual housing loan. At present, there are still relatively few banks that can refinance mortgages, so most of them transfer their houses in this way.
2. Pay off the remaining loan with the buyer's down payment: This situation is more common in second-hand housing transactions. This method is mainly suitable for the situation that the loan amount of the seller is relatively small or the seller has paid back more than half of the loan, but the buyer has sufficient funds.
3. Pay off the remaining loan with the bank loan: The seller may consider using the collateral in his own name to settle the mortgage of his house, provided that the buyer has the collateral recognized by the bank before applying. In this way, both parties can obtain a sum of money through bank mortgage to pay off the mortgaged property, thus making the transaction successful.
This method is robbing Peter to pay Paul, but it is also a good way as an emergency. Collateral can wait until the seller pays the house price, then pay off the mortgage loan of the bank and get the collateral back.
At the end of the article, I wrote: Is there a loan for selling a house? The house can be sold on loan. Make sure you have a real estate license before you sell it. Second-hand market transactions are generally based on real estate licenses, which can only be listed and traded. Without real estate license, there is no property right, so you can't transfer ownership, which means you can't buy or sell houses.
Can the house in the loan be sold?
Houses with outstanding mortgages can be bought and sold.
According to the provisions of Article 38 of the Urban Real Estate Management Law, the following real estates may not be transferred:
(a) the acquisition of land use rights by means of transfer does not meet the conditions stipulated in Article 39 of this Law;
(two) the judicial organs and administrative organs have ruled or decided to seal up or restrict the real estate rights in other forms according to law;
(three) to recover the land use right according to law;
(four) * * * has the property right of the house without the written consent of others;
(five) the ownership is controversial;
(6) Failing to register according to law and obtaining the ownership certificate;
(seven) other circumstances in which the transfer is prohibited by laws and administrative regulations.
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Can a house with a mortgage be sold?
Question 1: Can the mortgaged house be sold? Can't buy or sell.
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 still paying the mortgage be sold? You can sell it.
The method is as follows:
1. Re-mortgage. Although this is practiced in many places, it is actually prohibited internationally.
2. The buyer pays a large down payment, and you use the other party's down payment to repay the loan in advance and then sell it.
3. The intermediary repays the loan in advance, but charges a certain fee.
Question 3: 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 4: 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 5: Can a house with outstanding loans 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 and change the 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 6: How to borrow money to sell a house? Ask the loan bank first whether the mortgaged house can be mortgaged. If so, the money you still owe the bank will be directly transferred to the person who wants to buy a house. If the buyer doesn't want to make a mortgage (that is, continue to make a mortgage with the bank), he can also pay off the bank's money directly after improvement without bearing the loan interest; After the improvement, the transaction can be carried out. Of course, the money owed to the bank has been deducted from the money received from selling the house. If the lending bank is not allowed to refinance, we can only see if we can find a guarantee company to redeem the house deed (that is, pay off the money owed to the bank). Of course, the guarantee company will not be Lei Feng and will charge a fee. If even the guarantee company can't be found or the found guarantee company refuses to redeem it, then we can only find ways to raise money to redeem it. Redemption is equivalent to canceling the mortgage relationship of the original house. In this case, the house can be traded.
Question 7: You borrowed money to buy a house, but the loan has not been paid back. 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 8: How to sell a house with a bank loan? The former method is not feasible.
The latter method is usually feasible.
You need to go through an intermediary company, list, find a buyer and sign a tripartite contract. Ask the buyer to pay you a deposit of 50 thousand yuan in advance, and the contract will take effect.
Then ask the buyer to pay you 60% in advance. After receiving the money, go to the bank to "repay in advance" and pay off the principal owed to the bank.
The bank will give you a proof of paying off the loan, and then go to the real estate trading center to cancel the mortgage, and your house can be bought.
Then the buyer pays you the balance, and you go to the real estate trading center to transfer the real estate license to the buyer, and the transaction is completed.
The above procedures should be stated in the contract, and the 2% tax and agency fee should be stated by the buyer.
So you can get a good deal.
How much did you pay back the principal? Check the "repayment form" sent to you by the bank every month.
Since the principal has been repaid in advance, I don't owe him money, and of course I don't have to pay interest!
Question 9: How to borrow money to sell a house? Hello:
1. How to buy and sell a house with a loan: first find a suitable buyer, and then go to the bank where your real estate loan belongs after the two parties sign a house sale contract. You need to provide ID cards, household registration books and income certificates of both parties. You'd better consult the bank before handling it. If you want to reduce the trouble, you can go to the real estate agency! Very convenient!
2. After buying a house, it is considered as a second purchase. The specific purchase restriction depends on what kind of property you buy in Beijing. Some attributes are restricted and some are unrestricted. You have to consult the type of property you want to buy! As for whether the provident fund can be used, it depends on whether the property you buy allows provident fund loans!
Question 10: How to sell a house with a loan? 5 points First of all, the second-hand houses with outstanding loans 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 outstanding loan property:
1. Re-mortgage:
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 model in 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.
3. Use bank loans to repay the remaining loans:
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.
The introduction of second-hand housing loans ends here.