After the loan exceeds one year, you can repay the loan directly. It is not considered a breach of contract and there is no penalty. The bank interest is calculated normally and there is not much loss. However, if it is less than 5 years since you bought the house, there will be a large transaction tax, which will increase invisibly. 5,5 percent punitive tax. Calculate the loan amount and subtract the repayment amount. Ask the person who buys your house to pay the money in one lump sum. If the loan amount is too large, you need to prepare part of it yourself and add it first. Then go to the lending bank and apply for a one-time repayment of the entire loan. After redeeming the real estate certificate, the following procedures can be followed by normal real estate transfer. The house is a long-term plan. If your lover doesn't like it, you can only sell it. This time, you can buy it if you are optimistic about it. There is no shortage of good houses, but the money we have is limited.