No, there is no transfer, and there is no new real estate license. Generally, after applying for a loan, you can transfer the ownership. After the account is completed, the new real estate license is mortgaged by the bank, and the bank directly lends to the seller. When signing the bank loan agreement, the seller's collection account has been provided to the bank.

But households don't have to pay back the loan. After the household registration, the mortgage will be repaid the next month after the new real estate license is mortgaged.