1. The property rights of houses whose loans have not been repaid are mortgaged to the bank. They have no right to mortgage, sell, transfer, or change the name of the property! The notary office will not accept it without a certificate of property rights. Notarization of real estate. But if both parties agree, then you can write an agreement, indicate the requirements of both parties, and then go to the notary office together to have the signatures and fingerprints of both parties notarized!

Note: It is a notarized signature, and Not that agreement.

2. Related knowledge:

1. Can a house with an unpaid loan be transferred?

First of all, houses with unpaid loans can be bought and sold in practice, but corresponding work must be done in the early stage. The specific operation directions and steps should be determined according to the specific conditions of the property and the specific requirements of the homeowner.

Secondly, it is best to pay off the loan before the property is sold. This will not only make the real estate transaction faster, but also give the buyer more peace of mind. However, if you have not repaid the loan due to various reasons, how can you transfer the house without repaying the loan? This article recommends several specific methods for transferring the property with a loan. You can according to your specific situation. Choose according to actual needs.

2. How to transfer a house with a loan?

Remortgage

The simplest and most direct method in the sale of second-hand houses is to A personal home is sold or transferred to a third party and you apply for a personal home loan to change the loan period, change the borrower, or change the collateral.

3. How to transfer a house with a loan:

Use the buyer’s down payment to pay off the remaining loan

This is the most commonly used model in current second-hand housing transactions. . This method is suitable for situations where the original homeowner's loan amount is low or the remaining loan amount is not large after a large number of repayments. Under normal circumstances, the buyer will agree to a down payment of 30 to 40% of the total transaction value of the property. The seller can use the buyer's down payment to pay off the remaining loan, then cancel the mortgage registration of the property and proceed to the next step of the transaction.

4. How to transfer a house with a loan:

Use a bank loan to pay off the remaining loan

If the seller wants to pay off the loan before selling the property Or if the buyer is optimistic about the property but is unwilling to buy the property with an unpaid loan, this method can be adopted. But the premise is that the homeowner has bank-approved collateral (such as other properties) to apply for a loan. In this way, the homeowner can borrow a certain amount from the bank through the mortgage to pay off the loan for the property he wants to sell, thus facilitating the success of the transaction.