How to sell a mortgaged house without losing money?

The way to not lose money for a house with a mortgage is:

1. Remortgage.

Refers to the house that is used as collateral by the borrower **, through the lending bank.

agree, the purchaser of the house will continue to repay the outstanding loan of the ** person;

2. You can apply for early repayment.

After repaying the remaining loan**;

3. The buyer retains the final payment to support the homeowner to repay the loan in advance.

**Second-hand housing process.

and precautions:

1. Clarity of the term: for the sale of second-hand houses, many times the way chosen is to carry out through the intermediary, in the process of entrusting the intermediary, as the seller, to tell the intermediary, the intermediary will put the ** and the corresponding ** on the web page through the network, in this process, the seller should be clear about what method is entrusted, what is the period of entrustment;

2. Collect a deposit.

The quantity: the intermediary company will negotiate with the seller after finding the customer, and the seller will sign for the deposit from the intermediary if the seller accepts the purchase conditions, and some intermediary companies will require the deposit to be kept, and the seller should be cautious about this;

Pay off your mortgage with a down payment. The borrower can ask the buyer to make a down payment, then scrape together the repayment funds to pay off the loan, release the mortgage and sell it.

Apply for a remortgage. The borrower can go to the bank to apply for a remortgage, sell the house to a third party, and the buyer will continue to repay the mortgage. Borrow money to repay the loan.

The borrower can borrow money from family members and relatives to pay off the mortgage, and after paying it off, he can buy and sell freely, and then return the borrowed money after selling the house.

Usually, the process of buying a house with a mortgage loan is as follows: the customer provides his own ID card and household registration book. The asset certificate issued by the bank, the real estate mortgage, the credit report of the joint repayer of the husband and wife is issued, the buyer and the seller sign the sales contract, and apply for a loan from the mortgage bank.

The bank conducts an investigation and approval, and handles the transfer procedures.

The way to do this without losing money is to have a mortgaged house**

1. Remortgage: It refers to the house that is used as collateral by the borrower, and with the consent of the lending bank, the purchaser of the house will continue to repay the unexpired loan of the borrower;

2. You can apply for early repayment and repay the remaining loan before repayment;

3. The buyer retains the final payment to support the homeowner to repay the loan in advance.

If you want to buy a mortgaged house, you must let them, the original owner, pay off the arrears first. Of course, before you two make sure to study what he **gave you**. After researching, you sign the contract and pay the deposit, and then he is responsible for paying back the house.

Then you go to change your name and finish changing your name, and then you take the house certificate to the bank for a loan. Come down and return the balance to the original owner. Or you pay the full amount and give the balance directly to the original owner.

That's the process. You must not take out the money early and help him pay off the money owed to the bank in one lump sum. In case he doesn't want to sell the house to you anymore and doesn't want to pay you back, then you're in trouble.

This ** above is to take into account your principal interest and some expenses in the middle, which need to be calculated, and you also need to add some you want to sell for more money, and it must be in line with the market**.

How to buy a mortgaged house without losing money. I think you can buy a mortgaged house in any way, because he can't talk about whether he loses money or not.

How to sell a holiday house without losing money? If you want to sell him, you must have to take the interest from the bank at home, and as long as you reach this selfishness, I don't think you will lose money.

If you sell your mortgage house, you will lose the interest you have to pay on the loan, like those more expensive houses, you will definitely have to divide the number of installments, and the interest will only get higher and higher, so the more money you lose. Many home buyers choose to buy a home with a mortgage, but many people know about mortgage loans.

But I don't know how much interest on my mortgage is. In practice, the calculation method of mortgage loan actually refers to the calculation of bank mortgage loan interest. In the case of a bank loan to buy a house, the calculation of loan interest mainly depends on the amount of down payment, repayment method (equal principal and interest repayment or equal principal repayment), mortgage study, bank interest rate, etc.

With a house, people will have a sense of belonging, so no one wants to sell the house that is being repaid unless it is absolutely necessary, so will the house with a mortgage be sold at a loss? How do you sell a house with a mortgage? Let's find out with me.

1. Is the house with a mortgage sold at a loss?

If you sell a house with a mortgage, you will lose money. If you want to have a mortgage on the house, then you need to repay the bank loan in advance, and you will definitely suffer a loss if you repay the bank loan in advance and then sell the house, as for how much you lose, it depends on how the owner deals with it, of course, it also depends on what the house price is at that time, if the house price is on the rise at that time, then the house with a mortgage may not be sold at a loss, and it may make a small profit.

2. How to sell a house with a mortgage.

In general, the house that has not paid off the loan is still in the mortgage state, so the house cannot be listed for trading, however, the seller can do this in the following ways:

1. Pay off the remaining bank loan with the down payment paid by the buyer, which is the most commonly used mode in the purchase and sale of second-hand housing transactions, and is very suitable for the original owner loan amount is low or the remaining loan amount is not large after a large amount of repayment. Under normal circumstances, the buyer will agree to pay 30% to 40% of the purchase price as a down payment, and the seller can use the buyer's down payment to pay off the remaining bank loan, and then cancel the mortgage status of the house, and then proceed to the sale and purchase of the second-hand house.

2. The method of remortgage can be adopted. The so-called "remortgage" refers to the loan that changes the loan term, changes the lender or changes the collateral of the personal housing loan for the purpose of transferring the personal housing ** or transferring it to a third party. However, there are very few banks that can do remortgages, and some cities such as Beijing have even suspended remortgages, so few people use this method now.

3. You can use a bank loan to pay off the remaining housing loan, or you can consider applying for a mortgage from the bank with other properties in your name, and then settle the mortgage loan of the house. Wait until the buyer has paid the full amount of the house before paying off the mortgage from the bank.

If the house price is on the rise at that time, the sale of the house may not be a loss, and it may even make a small profit. The above is an introduction to the relevant content about whether a house with a mortgage is sold at a loss, I hope it will be helpful to you.

To sell a house that is still under a loan, you must first redeem the house, that is, pay off the loan in advance and release the mortgage, otherwise the house cannot be transferred. The exact amount of money you lose depends on the mortgage purchase**, the bank's loan interest and the amount of liquidated damages paid to the bank.

Legal basis: Article 394 of the Civil Code of the People's Republic of China Where the debtor or a third party does not transfer the possession of the property and mortgages the property to the creditor in order to guarantee the performance of the debt, the debtor fails to perform the due debt or the mortgage is realized as agreed by the parties, and 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.

Article 406 of the Civil Code of the People's Republic of China During the mortgage period, the mortgagor may transfer the mortgaged property. Where the parties agree otherwise, follow their agreement. If the mortgaged property is transferred, the mortgage right shall 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, it may request the mortgagor to pay off the debts or deposit the proceeds of the transfer to the mortgagee in advance. The part of the transfer price that exceeds the amount of the claim shall belong to the mortgagor, and the debtor shall pay off the shortfall.

Article 577 of the Civil Code of the People's Republic of China: Where one of the parties fails to perform its contractual obligations or the performance of its contractual obligations does not conform to the agreement, it shall bear liability for breach of contract such as continuing to perform, taking remedial measures, or compensating for losses.

Article 677 of the Civil Code of the People's Republic of China Where the borrower returns the loan in advance, the interest shall be calculated according to the actual period of the loan, unless otherwise agreed by the parties.

Legal analysis: The mortgage house will lose about 200,000 yuan when it is sold, and the calculation method of mortgage loan in practice actually refers to the calculation of bank mortgage loan interest.

Legal basis: Civil Code of the People's Republic of China

Article 595:A sales contract is a contract in which the seller transfers ownership of the subject matter to the buyer and the buyer pays the price.

Article 598:The seller shall perform the obligation to deliver the subject matter to the buyer or to deliver the documents for the extraction of the subject matter, and to transfer the ownership of the subject matter.

To determine if the house has a title deed.

A house that has not been paid off and is still under mortgage cannot be listed for trading, however, in reality, there are ways to do so.

1. Remortgage.

Remortgage is the easiest way to do this. Remortgage refers to the loan of changing the loan term, changing the borrower or changing the collateral of the personal housing loan by transferring the personal housing ** or transferring it to a third party.

In the sale of second-hand housing, it is to transfer the personal housing ** or transfer it to a third party to handle the loan of the personal housing loan to change the loan term, change the borrower or change the collateral.

However, in practice, different banks have different regulations, and you need to consult the relevant bank for details. It should be noted that it is necessary to entrust an intermediary company to apply to the bank for mortgage transfer, and the bank does not accept individuals to apply for second-hand housing mortgage business.

2. Pay off the remaining loan with the buyer's down payment.

In today's second-hand housing transactions, this is a more common way. This model is suitable for situations where the original homeowner has a low loan amount or the original homeowner has already repaid most of the loan, and the remaining loan amount is not large.

Generally, buyers can accept 30% to 40% of the total transaction value of the property with a down payment, and the seller can use these down payments from the buyer to settle the remaining loan and then revoke the mortgage registration of the property for the next step in the transaction.

3. Take advantage of bank loans.

to pay off the remaining loan.

If neither of the above two options work, the seller may consider using the collateral in his name (e.g. other properties) to settle the mortgage.

This option is useful if the seller wants to pay off the loan before selling the property, or if the buyer wants to pay off the loan but may mind the loan not being paid off. The premise is that the seller has collateral (e.g. other properties) approved by the bank to apply for a loan from the bank.

In this way, the seller can borrow a certain amount of money from the bank through the mortgage to pay off the property loan he wants, which will contribute to the success of the transaction. After that, wait for the buyer to pay the full price of the house before paying off the bank mortgage.

Here's how:

1. Early repayment, after repaying the remaining loan: the homeowner can consult the loan bank, repay the loan in advance, and after the mortgage is repaid and the loan is repaid, you can deal with the ** and the name change of the house.

Because during the mortgage repayment period, there is the word "real estate mortgage" on the house ownership certificate, so the homeowner needs to go to the local housing authority to get the other rights of the house with the other rights certificate and loan repayment certificate provided by the bank after paying off the bank loan, and then go to the local housing authority to get the other rights of the house, and then go public for normal business.

2. The buyer retains the final payment to support the homeowner to repay the loan in advance: In addition to the homeowner repaying the mortgage himself, you can also find a buyer who can pay the full amount, and the buyer can keep the final payment in the business, and then deal with the method of changing the name and transferring the property by leaving the final payment in the business. However, in this case, the buyer can only pay the full amount in one lump sum and can no longer plead with the bank for a loan.

3. Remortgage: It refers to the house that is used as collateral by the lender, and the buyer of the house continues to repay the unexpired loan of the borrower with the approval of the lending bank. That is to say, if you have a loan, you need to transfer the mortgage of the house to the buyer, so that the buyer can continue to repay the mortgage loan of the seller.

This method will be limited in use, many banks' policies for remortgage handling are different, and in practice, few banks will be able to handle remortgage business, so there are very few people who can use this method.

The name change cannot be processed until the loan is paid off

First of all, for houses with mortgage loans that have not been paid off, if there is a personal transaction, it is not possible to change the name of the house. For houses with outstanding loans, you need to wait until the loan is repaid and exchanged for a new house title certificate before you can change the name of the house.

To replace the certificate, you need to provide proof from the lending bank to buy a house with a mortgage, and after the loan is repaid, you can handle ** and change the name of the house. Since the words "mortgage" are on the title deed during the mortgage repayment period, the homeowner needs to wait until the bank loan is paid off.

Bring the certificate of other rights provided by the bank, the certificate of loan repayment, the house ownership certificate with the words "real estate mortgage", and the personal identity certificate to the housing transaction and ownership registration service center of the city where you are located or exchange for the property right certificate without the words "real estate mortgage", and then you can handle the normal house name change transaction.