How does it count if you have a loan when selling a house? Detailed explanation of operating procedures and precautions
Recently, the real estate transaction market has been active, and many people are faced with the situation of "unpaid loans" when selling their houses. How to calculate the remaining loan and handle the transfer process has become a hot topic. This article will use structured data to provide you with detailed answers to the calculation methods and operational points for obtaining a loan when selling a house.
1. Common situations of getting a loan when selling a house
According to hot discussions on the Internet in the past 10 days, getting a loan when selling a house mainly involves the following scenarios:
| scene type | Proportion (discussion data of the entire network) |
|---|---|
| Business loan outstanding | 65% |
| Provident fund loan outstanding | 25% |
| Combination loan (commercial loan + provident fund) | 10% |
2. Calculation method of remaining loan
The remaining loan amount needs to be calculated according to the following formula, and the data sources include bank repayment plans and real estate trading platforms:
| calculated item | formula | Example (loan of RMB 1 million, repaid for 5 years) |
|---|---|---|
| remaining principal | Initial loan amount - principal repaid | 1 million - 150,000 = 850,000 |
| Liquidated damages (if any) | Remaining principal × liquidated damages ratio (usually 1%-3%) | 850,000 × 2% = 17,000 |
| Total repayment required | Remaining principal + liquidated damages | 850,000 + 17,000 = 867,000 |
3. Operation procedures and precautions
According to recent hot real estate transaction cases, it is recommended to follow the following steps:
1.Check loan balance: Contact the bank or log in to the APP to obtain the remaining principal and liquidated damages (some banks require an appointment for early repayment).
2.Buyer’s Fund Supervision: If the buyer needs to use the down payment to help you release the mortgage, it needs to ensure safety through a third-party fund supervision account (accounting for 30% of recent dispute cases).
3.Transfer time schedule: It takes 3-7 working days to process the transfer after the release of the mortgage, and the time needs to be negotiated with the buyer (the average time in first-tier cities is 5 days).
4. Risk warning (high-frequency discussion issues across the entire network)
| Risk type | solution |
|---|---|
| The buyer's down payment is insufficient to release the mortgage | Request to increase the down payment ratio or raise bridging funds on your own |
| Delay in bank release | Reserve a buffer period of 15-20 days to avoid contract breach |
Summary: When selling a house, if you have a loan, you must first calculate the remaining principal and liquidated damages, and ensure the safety of the transaction through fund supervision. Recent data shows that proper planning can reduce the risk of disputes by more than 90%. It is recommended to consult a professional agent or lawyer to ensure that the process is compliant.
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