1. If the seller can personally pay off the bank loan and cancel the mortgage, he can go through the formalities of property right transfer;

2. The buyer and the seller can negotiate and issue a written agreement on the change of house property rights to the bank;

3. The loan can be transferred to the buyer through refinancing, and the buyer continues to repay the unexpired loan;

4. The transfer of the loan house between husband and wife needs the consent of the bank. Before the loan is paid off, if the buyer fails to obtain the property right certificate, the bank may agree to transfer the ownership.

Housing loan transfer process:

1. First, communicate with the loan bank to find out whether the loan is allowed to be transferred when it is not settled, and obtain the specific requirements and procedures of the bank;

2. Secondly, buyers and sellers need to reach an agreement through consultation, sign a house sales contract, and clarify the rights and obligations of both parties;

3. Then, the buyer needs to accept the original loan or apply for a new loan to pay the remaining amount of the house;

4. Next, both parties should go to the real estate trading center to handle the transfer formalities and submit relevant documents, including identity certificate, real estate license and purchase contract.

Finally, after the transfer is completed, the buyer should go through the loan formalities with the bank to ensure the mortgage change of the house. In the whole process, it may be necessary to pay certain taxes and fees.

To sum up, the transfer process of buying a house by loan includes communicating with the loan bank, signing a sales contract, paying the balance, handling the transfer procedures and changing the mortgage right, and possibly paying taxes.

Legal basis:

Measures for the administration of individual housing loans

Article 19

During the mortgage period, the mortgagor shall not mortgage, lease, transfer, sell or give away the collateral again without the consent of the lender.