Mortgaged houses can be bought and sold, because there is currently no clear restriction, mortgage houses can not be traded, but it should be noted that if you want to buy a mortgaged house, you need to let the homeowner release the mortgage first, because when the housing authority transfers, it is required that all mortgages must be cancelled before the transfer, so if the mortgage is not released, the house cannot be transferred, and the interests of the buyer are not protected. If it is a seller, it should also pay off the loan first, then release the mortgage, and then go through the formalities such as transaction transfer.
<h1 class="pgc-h-arrow-right" data-track="3" > what are the risks of buying a mortgage</h1>
1. If the seller does not notify the mortgagee or the buyer, the transfer is invalid. Because according to the relevant regulations, if the mortgagor transfers the registered collateral, it shall notify the mortgagee and inform the transferee of the fact that the transferee has been mortgaged, otherwise the transfer is invalid. In addition, the mortgagor shall not transfer the mortgaged property without the consent of the mortgagee, except for the transferee who extinguishes the mortgage right by paying off the debt on his behalf. Once the seller wants to sell the house that has been mortgaged, he needs to notify the creditor and the buyer until both parties agree or understand the situation before they can buy or sell.
2, when buying a mortgaged house, be wary of the seller to mortgage the house multiple mortgages, that is, it may not only mortgage the house to a bank, may be a number of banks, more likely to involve private lending.
In this case, multiple debt relationships are involved, and the interests of all parties are conflicting, so try to avoid buying such mortgages to avoid trouble.
<h1 class="pgc-h-arrow-right" data-track="8" what are the precautions for buying and selling a secured house ></h1>
1, it is best to find a large intermediary company for transactions, because the large intermediary company is familiar with the purchase process, the risk control ability is strong, and the process is generally monitored, which avoids the possible risks for both buyers and sellers to a certain extent. And generally before the buyer pays, the judicial freezing and mortgage investigation will be done, and if there is a dispute, it can also protect the rights and interests of the abiding party as a notarized third party.
2. Generally, the intermediary companies of the larger points have cooperative guarantee companies, and when the seller receives money in advance or needs to be released, he can turn to the guarantee company, pay part of the guarantee fee first, pass the risk to the guarantee company, and the guarantee company will fully investigate and pay to avoid customer risks.
3. If the buyer has paid the house and the house is frozen during the transfer period, the buyer should actively sue, submit the original contract and the proof of payment for the house, and request the court to support the normal acquisition of the property.
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