This situation is very common, that is, the loan has not been repaid yet, and the agent should inform you, but usually after signing the sales agreement, you have to pay a sum of money to buy the house, and the seller first goes to the bank to repay the remaining balance. For a loan, the transfer can only be done to the buyer after the mortgage relationship is released. This is a necessary step. The buyer generally also needs a loan. After the transfer is completed, a new mortgage relationship will be established with the bank. After the loan is issued, the remaining balance will be paid directly from the bank. To sell the house, the buyer is responsible for repaying the mortgage and the transaction is closed