Real estate can be transferred to others by loan. Commercial housing during the loan repayment period, which could not be sold originally, can now be sold by refinancing. The essence of refinancing is that the borrower of the purchased property has changed, and the purchaser can transfer or sell the property if the loan is not paid off; People who buy real estate can apply for second-hand housing loans from banks.

What is the process of house transfer?

1. The applicant applies to the real estate registration agency for transfer;

2. Submit application materials, mainly including identity certificate, application for transfer registration, proof of registration reasons and other materials;

3. Accept the application and review the materials;

4. Pass the examination and issue the certificate of real estate ownership.

Legal basis: Article 37 of People's Republic of China (PRC) Urban Real Estate Management Law.

The transfer of real estate refers to the behavior of the real estate owner to transfer his real estate to others through sale, gift or other legal means.

Article 38

The following real estate shall not be transferred:

(a) the acquisition of land use rights by means of transfer does not meet the conditions stipulated in Article 39 of this Law;

(two) the judicial organs and administrative organs have ruled or decided to seal up or restrict the real estate rights in other forms according to law;

(three) to recover the land use right according to law;

(four) without the written consent of other people, * * * owns real estate;

(five) the ownership is controversial;

(6) Failing to register according to law and obtaining the ownership certificate;

(seven) other circumstances in which the transfer is prohibited by laws and administrative regulations.