In the purchase of real estate, a common misunderstanding is whether the loan can be sold without paying off. The answer is clear: you can't buy or sell properties with outstanding loans. This is because when you buy a house through a loan, you actually mortgage the property to the bank as a guarantee. In the case that the loan has not been paid off, the bank, as the mortgagee, enjoys the priority right of compensation for the property. Therefore, only when the loan is fully paid off and the bank cancels the mortgage can the property be released from the mortgage and enter the normal trading market.

If the bank can't re-mortgage the loan property, buyers will face two choices: either directly apply to the bank for early repayment, eliminate the mortgage status, and then conduct the transaction; Either wait for the loan to be paid off and get the property title certificate of the property, and the property will be eligible for trading. Because the property right is unclear and there is no formal property right certificate, any form of sale is not recognized by law.

To sum up, the law does not allow the sale of real estate with outstanding loans. When considering this kind of transaction, buyers must ensure that the property has been mortgaged, or pay off the loan first to ensure the legitimacy of the transaction.