The mortgaged house can be transferred to others for mortgage, which requires a third-party special guarantee company, which will pay off the loan and then transfer the ownership, and then pay back the money to the guarantee company, but this requires a guarantee redemption fee. There are several ways to transfer the mortgaged house: first, if the seller has the ability to repay the loan, the seller will pay off the loan first, cancel the mortgage, and then transfer the ownership. Second, if the seller is unable to repay the loan and the buyer is able, the buyer can negotiate to pay off the loan first and then transfer the ownership. This method has certain risks for the buyer, but it can be eliminated through an honest and qualified intermediary company and asking the seller to do notarization entrustment. Third, if both the buyer and the seller are unable or unwilling to repay, they can find a third-party special guarantee company, which will pay off the loan and then transfer the ownership, and then return the money to the guarantee company, but this requires a guarantee fee.

Legal basis:

Article 7 of the Provisional Regulations on the Registration of Real Estate shall be handled by the real estate registration agency of the people's government at the county level where the real estate is located; The people's governments of municipalities directly under the central government and cities divided into districts may determine the real estate registration agencies at the same level to uniformly handle the real estate registration in their respective jurisdictions. Real estate registration across county-level administrative regions shall be handled by real estate registration agencies across county-level administrative regions respectively. If it cannot be handled separately, it shall be handled through consultation by the real estate registration agency across county-level administrative regions; If negotiation fails, it shall be handled by the real estate registration department of the people's government at the next higher level.

Article 60 of the People's Republic of China (PRC) Urban Real Estate Management Law shall apply to the real estate management department of the local people's government at or above the county level for registration of real estate change, and apply to the land management department of the people's government at the same level for registration of land use right change on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.

Derivative problem:

What procedures and certificates are required for mortgage housing to apply for real estate license?

First, the mortgaged house is as follows: 1. The buyer and the buyer sign a house sales contract; 2. The mortgage transaction security guarantee contract signed by the buyer and the seller and the entrusted lawyer; 3. The purchaser pays 30% of the house price down (lower according to the transaction price and evaluation price, and the evaluation is exempted within one year, subject to the original purchase price); 4. Letter of confirmation that the seller's loan bank agrees in writing to make a one-time prepayment (including the principal and interest of the funds owed and the repayment account number); 5. The buyer applies to the loan bank for second-hand housing mortgage loan according to the above documents and personal credit documents (loan application, lawyer's preliminary examination and bank review); 6. The seller delivers the house to the buyer; 7. After the approval of the bank, the house payment will be given to the seller and transferred to the seller's bank; 8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages the buyer's loan bank; 9. The loan bank of the buyer will pay 30% of the down payment to the seller. The materials for submitting the application mainly include the following: (1) sealed application form; (2) Housing sales contract; (3) Confirmation letters of the buyers and sellers who signed the pre-sale contract on the house number, the measured area of the house and the settlement of the house price; (4) Surveying and mapping table, house registration form and household registration book in duplicate; (5) Special receipts for special maintenance funds; (6) Deed tax payment or exemption certificate; (7) the identity certificate of the buyer (copy of the original inspection); (8) Submission agreement for some houses; (9) the bank's prepayment certificate.