A house with a loan is troublesome, but it is also a common real estate problem in life. Next, I will briefly explain the process of transferring property by loan: First, the mortgage bank should be informed in advance before the house is transferred. After notifying the bank, if the transferee also needs to buy a house through a loan, the bank needs to entrust a law firm to review the transferee's loan. After the transferee meets the requirements, the bank will sign a loan contract with the transferee. In practice, the bank will sign a subsidiary contract with the transferor and the buyer, stipulating that the seller will completely transfer the property rights of the house to the buyer. The loan contract will be completely terminated and the loan contract between the bank and the transferee will take effect only after witnessing the authenticity and validity of the sales contract signed by the buyer and the seller. Finally, the buyer and the seller, together with the lawyer entrusted by the bank, go to the real estate trading center to handle the corresponding property transfer procedures, change their names to the real estate license, and then hand it over to the bank for safekeeping. Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.