Legal analysis: the house bought by the loan is sold, and the loan needs to be transferred together. Loan transfer is called remortgage, but it must be handled in the form of sale. If the other party pays the full amount and gives the money directly to the bank, it is equivalent to paying off the money for the seller, and then taking out the house book from the bank and transferring it to the Construction Committee. If it is a loan, you need to go to the bank to handle a mortgage transfer procedure, and then transfer the ownership. But the premise is that the house ownership certificate must have been obtained, because the second-hand housing transaction is based on the real estate license.

Legal basis: Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which will take 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. Article 215 A contract concluded between the parties on the establishment, alteration, transfer and extinction of the real right of immovable property shall become effective upon the establishment of the contract, unless it is otherwise provided by law or agreed by the parties. Failure to register the real right shall not affect the validity of the contract.