The house can go through the transfer procedures in mortgage, and the methods are as follows; 1. Both parties sign a loan contract, stipulating who will repay the loan and the taxpayer (generally, the seller's loan will be repaid by the buyer's down payment); 2. Both parties go to the bank to sign a loan contract; 3. Settle the loan after the bank loan is approved; 4. Cancel his rights after the loan is settled; 5. Go through the transfer formalities after canceling his other rights; 6. After the transfer formalities are completed, hand over the title certificate to the bank; 7. Bank loans; 8. After the bank lends money, the transaction ends and the buyer can repay the loan on time.

Legal basis:

Article 7 of the Regulations on the Administration of Urban Real Estate Transfer shall be handled in accordance with the following procedures: (1) The parties to the transfer of real estate shall sign a written transfer contract; (two) the parties to the real estate transfer shall, within 90 days after the signing of the real estate transfer contract, declare the transaction price to the real estate management department where the real estate is located with the real estate ownership certificate, the legal certificate of the parties, the transfer contract and other relevant documents; (three) the real estate management department to review the relevant documents provided, and make a written reply whether or not to accept within 7 days, 7 days without a written reply, as agreed to accept; (4) The real estate management department shall verify the declared transaction price and conduct on-the-spot investigation and evaluation of the transferred real estate as required; (five) the parties to the real estate transfer shall pay the relevant taxes and fees in accordance with the regulations; (6) The real estate management department shall go through the formalities of housing ownership registration and issue the certificate of real estate ownership.