There are four methods

First, remortgage, that is, you take out a mortgage and go to the bank with the owner to go through the remortgage procedures. You can also borrow more, but you must You have to pay the bank's mortgage fee.

Second, the owner’s redemption deed means that the owner first pays back 110,000 and then trades with you, so that everyone is better off (provided that you make a one-time payment, and if you have a mortgage, you can remortgage) Okay. )

Third, the buyer’s redemption deed means that you pay him back the money and then trade. If you trade through an intermediary, the contract must state that you have How much money was paid for the property is used for the owner to redeem the deed, etc. Moreover, the acknowledgment receipt given by the bank for the deed of redemption must be obtained by the intermediary and not by the owner. Regarding the issue of the real estate certificate, the owner can obtain the acknowledgment receipt. You can get the real estate certificate by yourself, but you are afraid that he will sell the two houses. (Deed redemption is risky, because it takes 1-2 months to redeem the deed. If during the redemption process, the owner is sued due to debt or other issues, the court will seal the house and prohibit transactions. , the redemption money is also blocked, and if the owner loses the lawsuit, the house money must be given to the prosecutor first. If you also sue, you will have to be the last in line to get the money, which is basically equivalent to losing the money). But having said that, after all, there are only a few people who have problems. You mainly need to see whether the owner is honest and how he is. After all, others are mortgaged. If he has money to repay the bank, will he still sell the building? If the owner He is also a working class, so if you help him redeem the deed, it shouldn't be a big problem. You can blackmail the owner and give him a few thousand yuan.

Fourth, the fourth party to redeem the deed is to find other people besides the buyer, seller and intermediary to pay for the redemption of the deed. The intermediary can usually help you find these people, but the fees are very expensive. , because other people are also at risk, they specialize in lending money to redeem deeds, and the fees are about 8%-10% or even 20%. It is usually not recommended to find these people, because if there is more than one party, there will be more conflicts, and no one wants to pay the money.

Suggestion: If you don’t have sufficient funds, you can remortgage for 5 years. The mortgage fees are not high and the transaction is safe. If you can’t get the mortgage, you should ask the owner to find a way to redeem the deed. , try to ask the owner to take more money, and you to take less money to redeem the deed. If you have to pay, you can weigh it yourself. After all, you are not obligated to do this, nor should you break the contract. At most, Just cancel the transaction.