Discuss whether the mortgaged house can be sold together.

In today's housing market, there are many reasons why second-hand houses occupy their unique market position, such as: many second-hand houses have good geographical positions; Homeowners need funds to change new houses and so on. Some homeowners have a question when selling their houses. Their house has not been paid in full, so can this mortgaged house be sold?

Everyone is also concerned about the fact that the bank is also one of the obligees, so the purchaser must obtain the property right of the house 100% before selling it. So the mortgaged house cannot be transferred. Can a mortgaged house be sold? At present, the problem of buying and selling houses with mortgage loans can be solved in the following ways: First, banks can contact buyers and banks by transferring mortgage loans. Sub-mortgage: refers to personal housing mortgage loan. Personal housing mortgage loan refers to a loan in which a borrower who has applied for personal housing loan in a bank requests an extension of the loan term from the original loan bank or sells or transfers the personal housing mortgaged to the bank to a third person, and applies for personal housing loan to change the loan term, borrower or collateral.

Mortgage means that during the repayment period of personal housing loan, the borrower sells the house as collateral, and the buyer of the house continues to repay the unexpired loan of the seller with the consent of the loan bank. 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. Because the credit standing, loan willingness and monthly payment ability of buyers are different, buyers can apply for different loan terms, loan amounts and repayment methods according to their own needs while refinancing. In practice, the way of refinancing is that the seller repays the loan in advance, so the buyer's loan can be inconsistent with the seller's outstanding loan.

The second way is also straightforward, that is, the owner pays off the remaining loan with a sum of money and then sells the house. In this way, the mortgage on the house can be released and the transaction can be made. In this way, there is a good solution. The owner can negotiate with the buyer to solve the problem. After the house price is settled, you can return the money to the bank first, so that the mortgaged house can be sold smoothly.

In these two ways, did the homeowner who wanted to sell the mortgage get a positive answer? For the mortgaged house, you can refinance the mortgage and make an appointment with the bank in advance, pay off the arrears and interest, and then buy and sell the house after obtaining the real estate license.