Legal analysis: After the account is cancelled, the mortgage under the name can be settled or transferred. Because although the account has been cancelled, the identity is true. Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

Legal basis: Article 8 of the Regulations of People's Republic of China (PRC) Municipality on Household Registration. When a citizen dies, the head of the household, relatives, dependents or neighbors shall, within one month before entering the city for burial, declare the death registration to the household registration authority and cancel the household registration. If a citizen dies in his temporary residence, the household registration organ of the temporary residence shall notify the household registration organ of the permanent residence to cancel his household registration.