Can you sell your home before you pay off your mortgage?

Verified 24 May 2023 - Directorate for Legal and Administrative Information (Prime Minister)

Are you going to sell the house for which you have taken out one or more real estate loans? We are taking stock of the possibilities of repayment or transfer of these various credits.

The situation differs according to the type of loan: traditional mortgage, zero interest rate loan (PTZ), agreed loan, Social Accession Loan (SAP)...

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Conventional mortgage

Yes, you can resell your accommodation before receiving refundsYour home loan.

You then have the opportunity to prepay the loan.

After the sale of your home and with the agreement of your bank, it is also possible to transfer your credit ongoing to finance the purchase of a new home. Your contract is changed so that your credit is for your new purchase. The interest rate remains the rate on your original credit.

Zero interest rate loan (PTZ)

No, it is not not possible to resell your home before having repaid the zero interest loan in full.

The refund shall be made at the latest when the sale is entered in the land advertising department.

However, with the agreement of the bank, you can transfer your credit to finance the purchase or construction of a new principal residence.

If the transfer occurs within 6 years of the time the TTZ funds were paid to you, your new purchase must comply with the conditions for the award of the PTZ effective on the date of transfer.

Conventional contracted loan

No, it is not not possible to resell the dwelling before having paid back in full a agreed loan.

The refund shall be made at the latest when the sale is entered in the land advertising department.

However, with the agreement of the bank, you can transfer your credit to finance the purchase or construction of a new principal residence.

If the transfer occurs within 6 years of the date the funds from the conventional contracted loan were paid to you, your new purchase must meet the loan eligibility conditions in effect on the date of the transfer.

Social Accession Loan (SAP)

No, it is not not possible to resell the dwelling before having paid back in full the NOT.

The refund shall be made at the latest when the sale is entered in the land advertising department.

However, with the agreement of the bank, you can transfer your credit to finance the purchase or construction of a new principal residence.

If the transfer occurs within 6 years of the date on which the Social Accession Loan (SAP) funds were paid to you, your new purchase must meet the SAP eligibility conditions in effect at the date of the transfer.

Other Loan

For another type of loan, contact the bank where you purchased it.

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