[Answer] Can a house that has been mortgaged by a developer to a bank be bought?

The mortgaged property can be transferred according to law, so you can buy the house that the developer has mortgaged to the bank.

However, according to the relevant laws and regulations, the sale of mortgaged real estate must meet two conditions: first, notify the mortgagee and obtain his consent. The second is to tell the buyer truthfully.

In actual transactions, developers need to gradually repay the mortgaged houses and gradually sell them. Repay first, then sell, and ensure that the commercial housing sold is in a state of mortgage cancellation.

Extended data

Ways to avoid the risk of buying mortgage house

1. In order to reduce house purchase disputes and safeguard their legitimate interests, it is necessary to make requirements in the supplementary agreement when signing the house purchase contract. In addition to not being mortgaged, it is also necessary to make some requirements for compensation measures, especially to apply for fund supervision, so as to avoid the situation that buyers pay the down payment and find that the property is mortgaged, facing the situation of losing both the house and the property.

2. To apply for a mortgage loan for a project under construction, you must go to the real estate management department for mortgage registration, so you can go to the website of the housing management department or the real estate management department to inquire information through multiple channels. If there is a mortgaged house, you can ask the developer to release the house you want to buy.

Otherwise, when you buy a house and go to the housing management department to apply for the title certificate, the housing management department finds that the house has been mortgaged and cannot apply for the title certificate.

3. Go to the online sign for filing as soon as possible after buying a house. If it is found that the house is mortgaged, it can be solved as soon as possible to avoid greater losses. Don't delay handling related matters after buying a house, sooner rather than later.

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