正在还贷款中的二手房可以交易么？

你好，洪律师：
我看中一个二手房属于DMCI的，但是卖家正处于还贷中，房子是抵押在菲律宾银行（BPI）的，我想问这种情况的二手房可以交易不？

可以，让他继续帮你还银行，但比较不安全

对啊

Hi, that is a good question. You can approach it in several ways. First, you can ask your bank to pay seller's bank in full and in turn, you pay installment to your bank.

Second, seller's bank perhaps would agree that you continue the payment of the loan but it would still be under the seller's account. This is a bit risky even if you have deed of sale from the seller.

Third, you ask the seller's bank if they can extend a loan in your name. This is the easiest way.

Fourth, you just pay off seller's bank in cash and transfer the property in your name.  If you need money in the future, you just mortgage it to any bank..

good luck..