You can sell it, but you have to pay back the money from the bank first and get back the certificate of other rights you put in the bank. Only with this stock exchange center can you transfer ownership.

If there is no money to pay back, you can negotiate with the buyer. If he wants to borrow money, he will go through the formalities of remortgage. It means to transfer the money you borrowed to him, and all banks can handle it.

If he negotiates with him to return the money to your bank first without lending, it is generally negotiable, as long as you negotiate to find a way to guarantee the other party.