Just follow the normal steps of changing rooms. When it comes to property right change, the demolition department will prove it to you. Just take the certificate and change it at the property right office. When talking about demolition, you can even ask the demolition department to help you with some procedures. They are experienced.

When the owner of the house knows that the house belongs to the scope of expropriation, he shall promptly inform the mortgagee (bank) in writing and negotiate with the bank about relevant expropriation matters; In the process of expropriation and demolition, the house expropriation department should, with the assistance of the real estate registration department, solve the problem of whether there is mortgage in the area of expropriation and demolition, and at the same time, the compensation and resettlement of the expropriated person should be connected with the protection of mortgage.

1. The owner of the house can handle it in the following ways:

1. Pay off all outstanding debts in advance;

2. Negotiate with the mortgagee to replace the collateral;

3. Use the collected compensation as a deposit or pay off the outstanding debts in advance.

Second, the legal basis

1. Article 174 of the Property Law stipulates that during the guarantee period, the guaranteed property owner may be given priority in receiving the insurance money, compensation or compensation.

2. Article 19 1 of the Property Law stipulates that during the mortgage period, if the mortgagor transfers the mortgaged property with the consent of the mortgagee, the proceeds from the transfer shall be paid off or deposited with the mortgagee in advance. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor. During the mortgage period, the mortgagor shall not transfer the mortgaged property without the consent of the mortgagee, except that the transferee pays off the debts and extinguishes the mortgage on his behalf.

3. Article 38 of the Measures for the Administration of Urban Real Estate Mortgage stipulates that if the mortgaged real estate is included in the scope of demolition due to the needs of national construction, the mortgagor shall promptly notify the mortgagee in writing; Both parties to the mortgage can reset the mortgaged real estate, or clean up the creditor's rights and debts according to law and terminate the mortgage contract.

4. Article 5 1 of the Measures for the Administration of Urban Real Estate Mortgage stipulates that if the mortgaged real estate is included in the scope of demolition due to national construction, if the mortgagor violates the provisions of Article 38 above and fails to pay off the debts according to law or reset the mortgaged real estate, the mortgagee may bring a lawsuit to the people's court.

The demolition department will give you a certificate, and then you can take it to the property right office to change it. When talking about demolition, you can even ask the demolition department to help you with some procedures. They are experienced. It's not as complicated as you think, and it also involves property rights change. Demolition of your debt remains unchanged, just repay the loan normally. Just follow the normal room changing steps. 1. Don't worry, many people borrow money for demolition, just one more change procedure. When the house is demolished, someone will tell you what to do. If the house is demolished, the loan has not been paid off. You have two choices. This option is that you will continue to repay the loan during the demolition period until you get a new house. One is to choose to move back. In three years, you have paid back 60,000 yuan, and you still owe the bank 654.38+0.4 million yuan. Then the money you get should be: 700,000 minus the bank loan of 654,380,400 equals 560,000; You have spent 500 thousand on a second-hand house now. The second is to choose cash settlement. When your house was demolished, the market price was 700,000. Demolition after 3 years, with a loan of 200,000.