1. The house with outstanding loan can be transferred.
First of all, the house that has not paid off the loan can be bought and sold in actual operation, but the corresponding work should be done well in the early stage. The specific operation direction and steps should be based on the specific situation of the property and the specific requirements of the owner.
Secondly, it is best to pay off the loan before the real estate transaction. This will not only make the real estate transaction faster, but also give the buyer more peace of mind. However, if everyone fails to pay off the loan for various reasons, how can the house that has not paid off the loan be transferred? This paper recommends several specific methods for transferring the real estate with loans, and you can choose according to your own specific situation and actual needs.
Second, the transfer of a house with a loan
1. Refinancing
The simplest and most direct method is to sell or transfer personal housing to a third person and apply for a personal housing loan to change the loan term, change the borrower or change the collateral.
2. Pay off the remaining loan with the down payment of the buyer.
This is the most widely used mode in the current second-hand housing transaction. This is suitable for the situation that the original owner&;s loan amount is low or the amount of loans left after a large number of repayments is small. Usually, the buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can use the down payment of the buyer to pay off the remaining loan, then cancel the mortgage registration of the property and proceed to the next transaction.
3, the use of bank loans to pay off 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 can be done. But the premise is that the homeowner has collateral (such as other real estate) recognized by the bank to apply for a loan. In this way, the homeowner can lend a certain amount of money to the bank through mortgage to pay off the real estate loan he wants to sell, thus contributing to the success of the transaction.