How to sell a mortgaged house

The sale process of mortgaged houses is as follows:

1. You can apply to the bank for remortgage and transfer the unfinished mortgage to the buyer;

2. If there are not many mortgages left, you can apply for a one-time repayment of the mortgage before trading;

3. If the buyer pays in full. The seller can pay off the loan through the house payment paid by the buyer in advance, and then go through the transfer formalities after paying off the loan.

The transfer process of the mortgaged house is as follows:

1. Generally, the mortgagor and the owner negotiate with the bank to issue a written agreement on the change of property rights.

2. When the bank agrees to the change, the borrower is changed from the seller to the buyer, and the bank issues a certificate indicating the change matters and reasons, agrees to handle the change registration, and lends the real estate license to the bank. Then the buyer and the seller bring relevant certification materials to the local government real estate management department for property right change registration.

3. If the bank does not agree to the change, both parties can only notarize the property right change agreement reached at the notary office, take out the real estate license from the bank after paying off the bank loan, cancel the mortgage registration formalities, and handle the property right change registration formalities with the notarization agreement. Or find a guarantee company to guarantee that the balance will be paid off, and then take out the real estate license.