Can the house be mortgaged to the bank if it can t be sold?

OK. It is possible to mortgage the loan to the bank. However, generally speaking, if the value of the house does not appreciate, it is only a working capital, and the bank will also evaluate your house first.

If the house cannot be sold, it can be mortgaged to the bank, and the property can be mortgaged.

If you meet the requirements of your age, have a good reputation, have the ability to repay, and have enough real estate space, you can handle it, and the process is to prepare materials, submit an application, approve by the bank, and make a loan from the bank. As long as the conditions are met, banks can lend, but each bank's policy is different and the interest rate is different. Generally speaking, if the bank is large and has more storage users, then the loan threshold will be higher than that of other banks, such as China's well-known four major banks (Bank of China, Agricultural Bank of China.

ICBC, CCB). If you apply for a loan at a payroll bank or a bank where the borrower has handled business, the bank will be more lenient in approving the loan application of its own customers. Next, the borrower can choose a joint-stock commercial bank.

Under normal circumstances, the threshold for commercial banks is higher than that of state-owned banks.

The threshold is low.

It should be noted that the amount of money you mortgage on the house must be less than the market price of the current house, which is equivalent to the loss of some money, which you can evaluate yourself.

Extended Materials. What is the general interest rate for a mortgage bank loan?

Current bank home mortgages.

There are two types of mortgages, which are divided into owner-occupied and mortgaged mortgages, which have different interest rates, and mortgage mortgages usually have higher interest rates than owner-occupied properties.

The interest rate on mortgage loans varies from region to region, and the state sets the benchmark interest rate for bank loans.

Zero to six months (inclusive) annual interest rate for loans.

It is 4 35, the interest rate of the loan is 4 35 for six months to one year (inclusive), the interest rate for one to three years (including three years) is 4 75, the interest rate for three to five years (including five years) is 4 75, and the interest rate for five to 30 years (including 30 years) is 4 90. On this basis, banks in each region will have appropriate downward or upward floats according to local policies and economic conditions.

You can take a mortgage on the house, but you can only borrow between 70% and 80% of the value of the house, if you don't repay, the house will go to the bank, but if you don't repay in the first few months, you will be sentenced for fraud, so it's still not so good.

Of course, it depends on what kind of house your house is. Banks are very shrewd and have very high requirements for houses. For example, the age of the house, such as the location of the property. They all want to make money, and as long as they can't be satisfied, they can't accept it easily.

I don't know if it's okay. This has to be negotiated by both parties!

Legal analysisMortgaged properties can be traded, but according to the law, they should be approved by the bank. When trading a mortgaged property, one of the necessary steps is to unpledge.

The law stipulates that the sale of mortgaged property must be approved by the mortgagee's bank, and after the loan of the house is paid off, the bank will automatically lose the identity of the mortgagee.

Legal basisArticle 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.

Legal basis: Article 395 of the Civil Code of the People's Republic of China The following property that the debtor or a third party has the right to dispose of may be mortgaged:

1) Buildings and other land attachments;

2) the right to use construction land; Change the boredom.

3) the right to use maritime space;

4) Production equipment, raw materials, semi-finished products and products;

5) Buildings, ships, and aircraft under construction;

6) means of transport;

7) Other property that is not prohibited by law or administrative regulations.

The mortgagor may mortgage the property listed in the preceding paragraph.

Legal Analysis: Yes.

It is possible to mortgage the loan to the bank. However, generally speaking, if the value of the house does not appreciate, it is only working capital, and the bank will first evaluate your house if you take out a loan.

Legal basis: "Civil Procedure Law of the People's Republic of China" Article 244: Where the person subject to enforcement fails to perform the obligations set forth in the legal documents in accordance with the enforcement notice, the people's court has the right to seal, seize, freeze, auction off the sails, or sell the part of the property that the person subject to enforcement shall perform the obligations of. However, the necessities of life for the person subject to enforcement and the family members they support shall be retained.

In ordinary life, people often encounter emergencies that require a large amount of money, so they will mortgage their houses to the bank to apply for a loan, so as to solve the current urgent need. Many people want to know whether the house mortgaged to the bank can be sold to someone else, so the following is a brief introduction for you.

1. Can a house mortgaged to a bank be sold?

If you want to sell your house mortgaged to a bank, you need to go to the bank first and ask if you agree. If the bank agrees, then we need to pay off the mortgage in full in advance, and only after the mortgage release procedures can we sell the house to someone else; If the bank does not agree, it cannot be re-sold, and in this case, if it is sold to someone else, it is invalid.

2. What do you need to pay attention to when applying for a mortgage?

1. The first thing to pay attention to is that before going to the bank for a mortgage loan, you must prepare all kinds of documents, including personal identity documents, household registration books, etc.

2. After going to the bank, the relevant personnel will ask the applicant to fill in a **, that is, the form for applying for a mortgage, and we must pay attention to the content to ensure that it is absolutely true, and there can be no fraud. After filling out the application, the relevant personnel will conduct a detailed review of the application form, and if any untrue elements are found, the bank will not approve the mortgage application.

3. After filling in, the relevant personnel will report to the supervisor after reviewing, so that they can approve, the approval process will sometimes be a little long, you don't have to worry about it, as long as the application form filled in before is absolutely true, generally speaking, the mortgage will be allowed.

4. As we all know, after completing the mortgage procedures, the bank will issue the loan to the personal account, and we need to repay the loan on time every month after that, so don't apply if you don't have the ability to repay.

Summary: The above is for you to introduce the content of whether the house mortgaged to the bank can be sold to others, I hope it can help you, if you still want to sell to others, you must go to the bank to confirm. If you want to know more, please pay attention to Qeeka Home.

Summary. Hello, dear. We're happy to answer your <>

If the house is mortgaged by the bank and you want to sell the house, you need to apply to the bank to release the mortgage first. The specific steps are as follows:1

Understand the terms and conditions of the mortgage contract, including the conditions and procedures for releasing the mortgage. 2.Apply to the bank for the release of the mortgage and submit relevant supporting materials, such as the purchase contract, real estate certificate, etc.

3.The bank will review the applicant's repayment and the value of the collateral according to the mortgage contract to determine whether it agrees to release the mortgage. 4.

If the bank agrees to release the mortgage, the applicant will need to pay the relevant handling fees. 5.After the mortgage is released, the process of selling a house is the same as that of a normal house transaction, you need to find a buyer, sign a house sale contract, and go through the transfer procedures.

The house is mortgaged by the bank, what should I do if I want to sell the house?

Hello, dear. We're happy to answer your <>

If the house is mortgaged by the bank and you want to sell the house, you need to apply to the bank to release the mortgage first. The operation steps are as follows:1

Understand the terms and conditions of the mortgage contract, including the conditions and procedures for releasing the mortgage. 2.Apply to the bank for the release of the mortgage and submit relevant supporting materials, such as the purchase contract, real estate certificate, etc.

3.According to the mortgage contract, the bank will review the repayment status of the applicant and the value of the collateral to determine whether it agrees to release the mortgage. 4.

If the bank agrees to release the mortgage, the applicant will need to pay the relevant handling fees. 5.After the mortgage is released, the process of selling a house is the same as that of a normal house transaction, and you need to find a buyer, sign a house sale contract, and go through the transfer procedures.

Dear, can you tell us about the specific situation? I will analyze it for you in detail.

But there is no money to decompress.

Dear, how much do you owe?

Mortgage bank 400,000.

You can borrow from friends around you or go through the mortgage procedures with the house as soon as possible, and the land key is to transfer the property rights of the house to the third party, and the third party will repay the loan.

Dear, why do you owe money?

It was a loan with interest first and principal later, and mortgaged the house.

Dear relatives, you can discuss with relatives and friends to see if you can borrow money to repay the loan first.

And then what about the teacher.

Dear, are you in a hurry to sell your house because you are in a hurry to use money?

No. Dear, if you repay the loan first, you will be able to release the mortgage. With the consent of the bank, the bank loses the identity of the mortgagee and will give you a certificate of settlement.

After that, Jian Que took the settlement certificate and went to the housing management department to go through the procedures for releasing the mortgage, and you obtained the complete property rights of the house. At this time, you can trade freely in the market, without any obstacles.