The way to sell the house by loan is as follows:
1, remortgage. Mortgage is a loan that sells or transfers personal housing to a third person, applies for personal housing loan to change the loan term, change the borrower or change the collateral;
2. Pay off the remaining loan with the buyer's down payment. In the second-hand housing transaction, if the seller sells a house with a loan, he will choose this way to pay off the loan. 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.
Legal basis: Article 406 of the Civil Code of People's Republic of China (PRC).
During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.
Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.
How to borrow money to sell a house?
Pay off the mortgage with a down payment. The borrower can ask the buyer to pay the down payment first, then collect the repayment funds to pay off the loan, and then sell it after the mortgage is lifted.
Apply for remortgage. The borrower can apply to the bank for re-mortgage, sell the house to a third person, and the buyer will continue to repay the mortgage. Borrow money to repay. Borrowers can borrow money from family members and relatives to pay off their mortgages, and then they can buy and sell freely. After selling the house, they can return the borrowed money.
Usually, the process of buying a house by mortgage loan is: customers provide their own ID cards and household registration books. Asset certificate issued by the bank, real estate mortgage, credit report issued by both husband and wife, and the buyer and seller sign a sales contract to apply for a loan from the mortgage bank. The bank carries out the examination and approval, and goes through the transfer formalities.
How much is the house mortgaged?
The process of buying and selling houses with loans is as follows:
1. You can apply for prepayment and sell the remaining loan after repayment. Owners can consult the loan bank, apply for early repayment and buy a house. Only after the repayment of the loan is completed can they handle the sale and renaming of the house.
2. The buyer reserves the balance to support the homeowner to repay the loan in advance. In addition to paying off the mortgage by the owner himself, you can also find a buyer who can pay the full amount, leave the final payment when buying and selling, and then change the transfer method after the owner pays off the loan with the money paid in advance.
3. Transfer the mortgage If you find someone who is willing to pay, you can also transfer the mortgage from the bank to realize your desire to raise funds to sell the house. At present, some banks support the refinancing business, while others do not.
Matters needing attention in buying and selling individual housing.
1. I suggest you register with the local real estate agent. The usual practice is to register for free. Please leave your contact number when registering. The rest is basically a real estate agent to help you contact the buyer. If someone wants to see the house, the agent will contact you. After success, the relevant transfer procedures will basically be handled by the intermediary, or the intermediary will lead you to handle it with the buyer and the seller. Finally, the agent will earn a commission according to a certain proportion of the turnover.
You can post the information of selling houses on the local shopping network.
3. You can also use promotional materials related to shopping information, such as consumer express advertisements and postal advertiser letters in some places.
If you choose to put up small advertisements everywhere, it will be uncivilized. It may also be a way to release the news of selling houses, but it is not desirable.
How to borrow money to sell a house?
The process of selling a house by loan:
1. Pay off the loan in full or down payment by the buyer.
In the second-hand housing transaction, this kind of house with outstanding loan is very common, and the more common method is to pay off the remaining loan with the buyer's payment.
If the buyer is the full amount, it is easier to apply directly to the loan bank for prepayment and cancel the mortgage.
2. Mortgage to mortgage (transfer the loan to the buyer).
If property buyers also need loans, they can apply for "re-mortgage", which refers to a loan that sells or transfers personal housing to a third party to change the loan term, borrower or collateral.
Extended data:
How to deal with "sub-mortgage";
Personal housing refinancing generally occurs between the same banks. Among them, the specific process of "refinancing" operation of China Industrial and Commercial Bank Beijing Branch is as follows:
First of all, the bank will re-examine the legality of the "mortgage house", re-examine the repayment ability of the new buyer, that is, the new borrower, according to the income of the new buyer, and determine the loan amount, term and interest rate of the new buyer.
Secondly, the bank verifies the qualification of the new guarantor or implements the new collateral.
Third, after the new buyer has passed the audit, if the property certificate of transfer has not been processed, then the new buyer can sign a new purchase contract with the developer; If you have already applied for a real estate license, then new and old buyers can directly sign a purchase contract.
Fourth, if the new buyer uses the newly purchased property as collateral, he must re-insure the collateral.
Fifth, the bank and the new buyer re-sign loan contracts, guarantee contracts and mortgage contracts for the new loan amount and collateral, go through mortgage registration procedures and issue loans. At the same time, terminate the original loan contract, recover the original loan and cancel the original mortgage registration procedures.