If the mortgage house has been repaid for more than half a year, can it be returned, or what conditi

Hurry up and find an intermediary to hang you out, if the price is rising now, the asking price is slightly lower, and it will be ** soon. Provided that your local policy allows you to sell now. Qingdao can only sell it after 2 years of getting the real estate certificate.

It is definitely not possible to retreat, and it is not necessary that the developer will give you a refund if the price rises, it is possible that the developers have retreated, and the best way is to sell! After selling, pay off the bank loan and it's OK!

If the price of the house increases, it is estimated that the developer will be able to give you a refund.

You can sell it, but you can't return it. If you sell it, you can pay off the loan.

I have a serious illness and can't afford to pay the mortgage.

The mortgage for the off-plan house is still more than a year, and it cannot be refunded.

After signing the "Building Mortgage Loan Contract", the buyer shall open a special repayment account at the financial institution designated by the bank in accordance with the contract, and sign a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account.

The bank confirms that the buyer meets the mortgage loan conditions and fulfills the obligations stipulated in the "Building Mortgage Loan Contract". After going through the relevant procedures, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the buyer's purchase money.

Mortgage Method:

1) The full name of personal housing entrustment loan is personal housing guarantee entrustment loan, which refers to the personal housing loan issued by the housing fund management center using the housing provident fund entrusted by commercial banks.

The housing provident fund loan is a policy-based personal housing loan, on the one hand, its interest rate is low; On the other hand, it is mainly for low- and middle-income provident fund contributors. However, due to the difference of more than 1% between the interest rate of the housing Gongxiang Yinye MPF loan and the commercial loan, both investors and ordinary people who buy houses for self-occupation are more inclined to choose housing provident fund loans to buy houses.

2) Personal housing self-employment loan is a loan issued to individual home buyers with bank credit funds as the first loan. It is also known as commercial personal housing loan, and the loan name of each bank is also different, China Construction Bank is called personal housing loan, and Industrial and Commercial Bank of China and Agricultural Bank of China are called personal housing guarantee loan.

The above content reference: Encyclopedia - Home Loan.

Legal analysis: Generally, it is necessary to reach an agreement with both parties with the bank. If the check-out conditions agreed in the contract are met, after the contract is terminated, the developer will return the purchase price and then pay off the loan.

Legal basis: "Measures for the Administration of Personal Housing Loans" Article 30 After the mortgagor or pledgor repays all the principal and interest of the loan in accordance with the provisions of the contract, the collateral or pledge shall be returned to the mortgagor or pledgor, and the loan contract shall be terminated.

Under normal circumstances, whether the house can be checked out for one year depends mainly on the check-out situation, and it is not that the user can check out successfully if he wants to check out, but needs to meet certain conditions.

1.If the set type is inconsistent with the design drawings or the size exceeds the agreed error range, and the contract does not stipulate the processing method, you can apply for check-out;

2.If the developer changes the planning and design without authorization and affects the quality or function of the house, and fails to notify the buyer within the specified time, it may apply for moving out;

3.The absolute value of the area error is more than 3%;

4.The quality of the main structure of the commercial housing is unqualified;

5.The developer fails to deliver the house within a reasonable period of three months after being urged by the buyer to deliver the house on time.

As long as these conditions are met, the buyer can apply to move out. However, if the buyer has already lived in the property for a certain period of time when the buyer requests to move out, the depreciation incurred during this period will need to be borne by the buyer.

Legal basis: Article 562 of the Civil Code of the People's Republic of China The parties may terminate the contract if they reach a consensus through consultation. The parties may agree on the grounds for one party to terminate the contract. The person who has the right to terminate the contract may terminate the contract if the cause of termination occurs.

Article 563 of the Civil Code of the People's Republic of China The parties may terminate the contract under any of the following circumstances:

1) The purpose of the contract cannot be achieved due to force majeure;

2) Before the expiration of the performance period, one of the parties clearly indicates or shows by its own conduct that it will not perform the main debt;

3) One of the parties delays the performance of the main debt and fails to perform it within a reasonable period of time after being reminded;

4) One of the parties delays the performance of its obligations or commits other breaches of contract, resulting in the inability to achieve the purpose of the contract;

5) Other circumstances provided for by law. In the case of an indefinite contract with the content of a continuously performed debt, the parties may terminate the contract at any time, provided that they notify the other party before a reasonable period of time.

After repaying the loan for one year, you can negotiate with the developer to replace** or check out. Because according to national regulations, if the area of the house is more than 4 square meters larger than the contract area, you can ask to move out and compensate for the loss.

In the check-out, if the responsible party is the developer, the buyer can not compensate for the depreciation of the house, if it is the buyer's responsibility, the developer can not compensate the owner for the decoration costs, and the specific check-out can be determined according to the check-out conditions:

1. If the set type is inconsistent with the design drawings or the relevant dimensions exceed the agreed error range, and the treatment method is not agreed in the contract, the buyer may move out;

2. If the developer changes the planning and design without authorization, the planning change approved by the planning department, or the design change agreed by the design unit leads to other circumstances that affect the quality or use function of the commercial housing as agreed by the parties to the contract, the real estate development enterprise fails to notify the buyer within the prescribed time limit, and the buyer can move out;

3. If the absolute value of the area error exceeds 3%, the buyer can check out;

4. The quality of the main structure of the commercial housing is indeed unqualified, and the buyer can check out;

5. If the developer fails to deliver the house within a reasonable period of three months after being urged by the buyer, the buyer has the right to request the developer to move out.