1. The seller applies to the bank.

2. With the consent of the bank, the bank, the buyer and the seller signed an agreement, and the bank agreed to the seller's transfer of the house. The seller promises to give priority to the repayment of bank loans, and authorizes the bank to directly deduct the outstanding loan principal and interest from its account opened in the bank. The buyer promises to remit the house payment to the account opened by the seller in the bank at the time of transaction.

3. The buyer and the seller sign the house transfer contract.

The buyer submits a new loan application to the bank. The loan amount can be the remaining loan balance of the seller, or it can be calculated according to the following formula: loan amount = market price of purchased house × loan ratio of second-hand house.

5. After the approval, the bank signs a new loan contract and mortgage contract with the buyers, and issues a letter of commitment agreeing to the loan.

6. The seller and the buyer go through the formalities of property right transfer.

7. The bank and the seller go to the real estate management department to cancel the mortgage registration, and at the same time apply for a new mortgage registration with the buyer.

8. The bank issues loans to the buyer, transfers the loans to the account opened by the seller according to the authorization of the buyer, and then directly deducts the outstanding loan principal and interest from the account according to the authorization of the seller, and terminates the original loan contract.

Please refer to the above answers provided by Ronglian Ye Wei.