Legal analysis: 1. When both parties apply for refinancing with materials to the loan bank, the bank will first review the personal credit information of the transferee. If all the credit records are good, the results will usually be available within 7 working days, and then the applicant will be informed of the results by phone. 2. For both parties who have passed the examination and approval, the borrower needs to go through the formalities of repaying the loan in advance, and then apply to the housing management department with the proof of paying off the loan. Generally, it is necessary to apply in advance to repay the loan in advance. It is recommended to go to the bank to understand the situation first. 3. After the property rights are released, the second-hand house buyers sign a new loan contract with the bank, go through the relevant loan procedures, then go through the transfer registration with the local housing management department, pay taxes and fees, go through the transfer procedures, and finally go through the mortgage procedures again. 4. After the bank receives the new certificate of other rights, even if the whole procedure is completed, the subject of mortgage becomes the buyer, and the buyer continues to pay off the loan on a monthly basis, and it shall not be overdue until it is fully settled.

Legal basis: Article 7 of the Regulations on the Administration of Urban Real Estate Transfer shall be handled according to the following procedures:

(a) the parties to the real estate transfer signed a written transfer contract;

(two) the parties to the real estate transfer shall, within 30 days after the signing of the real estate transfer contract, declare the transaction price to the real estate management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents;

(three) the real estate management department to review the relevant documents provided, and make a written reply whether to accept the application within 15 days;

(four) the real estate management department to verify the declared transaction price, and according to the need to conduct on-the-spot investigation and evaluation of the transferred real estate;

(five) the parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the provisions;

(six) the real estate management department issued a transfer order.