According to the law, the property that has not repaid the bank loan can only be sold after paying off the remaining mortgage loan. In other words, the house with outstanding loans cannot be sold, but the mortgage can be repaid in advance before the transaction.

1. The seller pays off the remaining mortgage loan.

Specifically, the seller can apply to the bank to repay the loan in advance, pay off the arrears, take out the property certificate and cancel the mortgage, and then follow the normal second-hand housing transaction process without any risk.

That is, sign a contract-handle the transfer-sign a contract-pay taxes-transfer-loan-pay the balance and complete the transaction.

2. The seller is short of funds and needs to pay the remaining mortgage with the buyer's purchase price.

If the seller asks you to pay part or all of the house price first, then use your house price to repay the bank loan, and then take out the property certificate and release the mortgage before going through the transfer formalities, you should be cautious at this time. This kind of operation is very risky, and it is best to operate with the accompaniment or guidance of professionals.