Can I transfer the contract to sell the house without paying the mortgage?

The house that has not paid off the loan is still mortgaged and cannot be listed and traded, but it can be realized in some ways in reality.

Method 1: Re-mortgage

The so-called "remortgage" refers to a loan that sells or transfers an individual housing to a third person, applies for an individual housing loan to change the loan term, change the borrower or change the collateral. However, it is understood that there are very few banks that can refinance mortgages at present, and some cities such as Beijing have long stopped refinancing mortgages, so this method is rarely used at present.

Method 2: Pay off the remaining loan with the buyer's down payment.

This is the most widely used model in second-hand housing transactions at present, which is suitable for the situation that the original owner's loan amount is low or the remaining loan amount is small after a large amount of repayment. Usually, the buyer will recognize the down payment of 30% to 40% of the total turnover of the property, and the seller can pay off the remaining loan with the down payment of the buyer, and then cancel the mortgage registration of the property and make the next transaction.

Method 3: Use bank loans to pay off the remaining loans.

If the above two methods fail, then the seller can consider using the collateral (such as other real estate) in his name to apply for a mortgage loan from the bank to settle the mortgage loan. Wait until the buyer pays the full amount before paying off the bank mortgage.