Sihai network

Can the house that loan buys sell? What condition does house loan have

Now many people's houses should be purchased by means of loans. At a glance, people feel terrible about the current house prices, not to mention buying a house with full payment. Many people hold that the house is not suitable for themselves after buying a house with loans, so if they want to sell it, they will ask, can the house bought with loans be sold? If you do not understand the conditions of housing loans, loans will only go in vain, then the loan to buy a house to sell it? What are the conditions for a house loan? Now let's take a look.

Can the house that loan buys sell?

There are three ways to sell a house under loan repayment

1. Using the down payment of the buyer to pay the outstanding loan; this method is currently the most common and the most safe method, which is suitable for the situation that the loan amount is low or most of the loans have been paid off, leaving only a small number of loans.

2. There are many other sources, such as asking for help from relatives and friends, borrowing money from them, paying back the remaining loans, and selling the house smoothly after successfully handling the procedures of mortgage release and ownership transfer. This is a relatively easy and convenient way.

Or if the seller has other collateral under the owner's name, he can also consider applying to the bank with these collateral (such as other real estate, etc.), so that the owner can repay the real estate loan he wants to sell by lending a certain amount to the bank through mortgage, and then repay the bank mortgage after the buyer has paid the full amount of the house.

3. Sub mortgage refers to the change that the homeowner is ready to sell or transfer the house to a third person to apply for a loan. But the limitation of this method is that few banks accept this kind of business, and most banks do not open this business. The householder can consult the relevant lending banks to understand the specific situation.

What are the conditions for a house loan?

1. With legal and valid identity certificate; the age plus loan period shall not exceed 70 years old. If two or more applicants apply for the loan, the loan term can be reasonably determined according to the actual situation, but the age of at least one of the borrowers plus the loan term shall not exceed 70 years old;

2. Have the ability to repay the loan principal and interest on time. The ratio of monthly loan expenditure to monthly income of the borrower should be controlled below 50% (inclusive), and the ratio of all monthly debt expenditure to monthly income should be controlled below 55% (inclusive); the borrower should abide by the law, be honest and trustworthy, have no illegal behavior, and have no criminal case or adverse civil case at present; other conditions stipulated by the agency.

The above is about the loan to buy the house can sell it? What are the conditions for a house loan? After reading, you should have no doubt about these two problems. Of course, the house bought with the loan can be bought, even if the loan is not paid off, but the conditions are relatively strict, and it is not so simple to apply for the loan. You need to have certain conditions. Besides, you need to understand the process in advance, otherwise it will be very troublesome.