If the mortgaged house is not obtained, can the real estate certificate be bought and sold? It can b

Your loan should fall under the category of a mortgage on a property.

The policy of real estate mortgage loan: the loan ratio is 5-6% of the appraised value of the property (the appraised value of the property is lower than the market value of the property), and the loan interest rate is 10% above the base annual interest rate.

Requirements for real estate: clear property rights, no debt disputes, and complete documents. In fact, the management of housing documents is not the same in various places, some areas are issued with land certificates for commercial housing, and some do not give them, so the first thing you need to determine is the certificate of the real estate, please consult the local real estate bureau about the land certificate.

If your property itself has a land certificate, go through the relevant procedures, if not, you can apply for a loan directly from the bank.

If there is a possibility that the property will be moved, the bank will generally not give you a loan, and even if you do, you will need to repay all the loans to the bank before the demolition.

In addition, the bank also has certain requirements for the construction age of the property, under normal circumstances, the construction age of the property mortgage is generally less than 10 years, if the property is more than 10 years old, the loan ratio will be reduced when applying for the loan. When applying for a real estate mortgage loan, the borrower needs to explain to the bank the purpose of the loan funds, such as: house purchase, car purchase, home improvement, study abroad, medical care, entrepreneurship, etc.

Since the loan amount is to be used to buy a house, it is recommended that you apply for a loan if the loan amount is greater than or equal to the purchase fund. If you want to buy a house with less money, there is no point in taking out a loan.

How long does it take to buy and sell a house?

The house that has not been paid off the loan cannot be bought and sold, and the purchase and sale can only be operated after the loan is settled, or you can refer to the following process to handle the sale:

1. Remortgage: The simplest and most direct method, in the sale of second-hand housing, commonly speaking, is to transfer the personal housing ** or transfer to a third party 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 buyer's down payment: This is the most widely used mode in second-hand housing transactions. This method is suitable for situations where the original homeowner has a low loan amount or a small amount of loan left after a large amount of repayment.

Typically, the buyer will accept 30% to 40% of the total transaction value of the property for a down payment, and the seller can use the buyer's down payment to pay off the remaining loan, and then cancel the mortgage registration of the property for the next step in the transaction.

3. Use a bank loan to pay off the remaining loan: 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 the loan not paid off, this can be done this way. However, the premise is that the homeowner has collateral approved by the bank (e.g. other properties) to apply for a loan.

In this way, the homeowner can borrow a certain amount of money from the bank through the mortgage to pay off the real estate loan he wants, and contribute to the success of the transaction.

Can a mortgaged house be ***? How do I buy and sell? Sellers need to understand.

Only the transfer procedure can be completed for the full payment of the house, so if you want to sell it, you need to pay off the bank's money first. Get the title deed and resell it.

The real estate bureau stipulates that the property without the real estate certificate and the mortgage state will not be transferred, and the property in the mortgage repayment state is not allowed to be transferred, that is to say, you must pay off the bank mortgage before you can transfer, if you want to mortgage to buy this house, you must pay off the loan at one time, and then transfer to your name.

Yes, it can be sold. But the procedures are too complicated. 1.First of all, when the buyer knows that your house does not have a title deed, they will not consider your home first2Houses without title deeds** are much lower than 3Prone to disputes

No, you can't trade without a title deed.

In this case, finding an intermediary can sell you an intermediary naturally has a way.

Whether you can sell or not can be divided into the following two methods:

Clause. 1. Change of name.

If the house can be changed by the developer, the buyer can buy it in full and assist in the name change;

Clause. 2. Transfer of ownership.

If the house cannot be renamed, it is agreed with the buyer that a deposit will be given, and the property certificate will be handed down before the transfer is handled, which is a relatively long waiting period.

There is no title deed to sell a mortgaged home. Mortgage housing refers to the commercial housing purchased by the buyer through a mortgage and the loan has not been paid off. The main feature of a mortgaged house is that the property rights of the house are mortgaged to the bank, and the property owner is not allowed to ** the house without authorization.

If you want to buy or sell a mortgaged house, you must obtain the consent of the bank and buy and sell the mortgaged house by changing the mortgagor. The bank will conduct a credit assessment on the buyer who wants to buy a mortgaged house, and if the relevant conditions of the bank are met, the bank will agree to change the mortgage object, and the mortgaged house can be bought and sold smoothly. According to the relevant laws and regulations, if the debtor or a third party does not transfer the possession of the property in order to guarantee the performance of the debt, but mortgages the property to the creditor, and the debtor fails to perform the due debt or the mortgage is realized as agreed by the parties, the creditor has the right to be repaid in priority for the property.

The debtor or third party provided for in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided for by the guarantee is the mortgaged property.

Legal basis. Article 394 of the Civil Code of the People's Republic of China [Definition of Mortgage Right] In order to guarantee the performance of the debt, if the debtor or a third party does not transfer the possession of the property and mortgages the property to the creditor, the debtor fails to perform the due debt or the parties agree to realize the mortgage right, and the creditor has the right to receive priority in repayment of the property. The debtor or third party provided for in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property provided for by the guarantee is the mortgaged property.

If you buy a new house in the past 2 years, judging from the current policy, I am afraid that you will not be able to change the name, so I will provide a few solutions:

1. To do the name change, whether it can be done, you need to ask the developer and the local management bureau to confirm. It varies from place to place.

2. Wait for the certificate to come out and then sell it, and the certificate may have to wait for about 1 year (it also depends on the reputation of the developer).

3. None of the above, if you want to sell it immediately, there is another way, do notarization, entrust notarization.

The wool comes out of the sheep. In terms of taxes, you bear the cost in your name, and if you think it's a cost issue, then just add the house price up.

Finally: it is recommended to find a good agent to help you deal with this matter. The agent knows more and knows how to find solutions. Also, there are times when relationships are needed, and they will run too.

1. Before the transfer, the seller pays off the mortgage loan, so that the property right of the house is in a complete state, and directly handles the transfer procedures;

2. The buyer and the seller sign a contract, agreeing that when the real estate certificate can be handled, the real estate certificate will be handled to the seller first, and then transferred to the buyer, and the seller will use the buyer's down payment to release the property with the buyer's down payment, and the buyer will continue to pay off the remaining loan.

Question and state that I bought an apartment, the house I paid last year, the property rights will come down next year, and the loan is the third year this year, can I sell it?

Because now there is an urgent need for money to turn around the business.

The answer can be in the second way mentioned above, the buyer and the seller sign a contract, agreeing that when the real estate certificate can be processed, the real estate certificate will be handled to the seller first, and then transferred to the buyer, the seller has not paid off the loan, and the buyer will use the buyer's down payment to release the property, and the buyer will continue to pay off the remaining loan.

You can also use bridge funds, borrow money to repay the loan first, and then sell the house to get the money and repay the borrowed money.

Question: Bridge Funding? Borrowed one?

Borrow money to repay the loan first, then sell the house to get the money and pay back the borrowed money.

Question: What's the difference between selling it and selling it like this?

Question: Okay, hang it in the intermediary to sell, right?

Ask a good question, thank you, how do agents generally charge.

When a new house is first bought, the homeowner needs to pay deed tax, stamp duty, and public maintenance to the state, and after paying these three sums of money, the local real estate authority will file the property and then issue the property ownership certificate.

If not, you can also ask the developer to change the purchase contract to your name, and then you pay these three money, so that your name is directly on the real estate certificate.

The bank loan to the first homeowner does not necessarily require the homeowner to have a title deed, as long as the developer has a large title deed for the entire community.

Of course, the house you fancy has begun to pay the monthly payment, no matter when the real estate certificate can come down, the materials of the house have long been filed in the land and resources management report, in this case, it is impossible to change the purchase contract to transfer, you can only wait for the real estate certificate to go to the name of the second-hand house transfer. Moreover, the bank said that the mortgage service was transferred, but in fact it was not for you at all, so you had to wait for the landlord to pay off the loan and the house did not have any debts before transferring the property. If you also want to take out a loan, you can only wait until the real estate certificate is issued before you can go through the loan procedures.

Off-plan housing, the most unreliable is off-plan. The area has shrunk, the promised things are not met, the property management is not satisfactory, and so on.

There is also a trouble - now the house price is relatively fast, no one can say what the house is when the real estate certificate is done, if the price of the homeowner rises at that time, what if it is not sold to you according to the current agreement? You are now sure that the promise of buying a house is that you pay a deposit to the homeowner, and generally this kind of homeowner will ask you to repay the loan, if the real estate certificate comes down after you talk about it, what about the deposit and the monthly payment you have already repaid?

Signing an agreement is one solution, but it does not solve the underlying problem. Looking for an intermediary company, who knows that this intermediary company, this shop, and this salesman who does things for you are still not there when the real estate certificate comes down?

If you have other options, I advise you not to think about this house anymore. If you really want to buy, then you'd better go to the Land and Resources Bureau recognized, the first notary office to do a notarization of the sale of the house, in the notarial deed to have a sure transaction has been reached, the house has been paid in full, all the rights of the house have been transferred to you, after the real estate certificate down, the original owner of the house has full authority to entrust you to handle all the transfer procedures (that is, without the original owner to come forward, you can transfer the property with the relevant materials alone) and other terms. In this way, your interests can be protected, the homeowner can also get the money, and he doesn't have to worry about the transfer in the future, which is good for both of you.