Legal analysis: the house can be transferred by mortgage in the following ways: 1. The two parties sign a loan contract, stipulating who will repay the loan and the taxpayer (usually the seller's loan is repaid by the buyer's down payment); 2. Both parties go to the bank to sign a loan contract; 3. Settle the loan after the bank loan is approved; 4. Cancel his rights after the loan is settled; 5. Go through the transfer formalities after canceling his other rights;

Legal basis: Article 14 of the Provisional Regulations on the Registration of Real Estate applies for the registration of real estate for sale, mortgage, etc. , both parties should apply at the same time. In any of the following circumstances, the parties may apply unilaterally: (1) unregistered real estate applies for registration for the first time; (2) Inheriting or accepting bequests to acquire real estate rights; (three) the establishment, alteration, transfer or elimination of real estate rights by effective legal documents or decisions of the people's government; (four) the name, ownership or natural conditions of the obligee have changed, and the application for registration of change has been made; (five) the loss of real estate or the right holder to give up real estate rights and apply for cancellation of registration; (six) to apply for registration of correction or objection; (seven) other circumstances stipulated by laws and administrative regulations that can be unilaterally applied by the parties.