Of course. For houses with outstanding loans, if the property ownership certificate has been obtained, you can sell or transfer your personal house to a third person, and apply for a personal housing loan to change the loan term, change the borrower or change the mortgage. This is the simplest and most direct transaction method for mortgaged houses: 1. The buyer and the seller sign a house sales contract. 2. The buyer, the seller and the lawyer sign the guarantee contract for the sub-mortgage transaction. 3. The buyer pays the down payment. 4. The Seller's loan bank agrees in writing to prepay the loan in one lump sum and issues a confirmation letter. 5. The buyer applies to the loan bank for second-hand housing mortgage loan and submits relevant materials. 6. The seller actually delivers the house to the buyer. 7. Lend money after the bank has passed the examination and transfer the money to the seller's loan bank account. 8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages the house to the buyer's loan bank. 9. The buyer's loan bank will pay the down payment to the seller. Article 6868 of the Civil Code establishes, changes, transfers and extinguishes the real right of immovable property, and takes effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.