Yes, just apply to the bank. You can use the down payment paid by the buyer to settle the bank loan, and then you can handle the transfer. First, if the seller has the ability to repay the loan, the seller should pay off the loan first, remove the mortgage, and then transfer the ownership.

Second, if the seller is unable to repay the loan and the buyer is able, the buyer can negotiate to pay off the loan first and then transfer the ownership. This method has certain risks for the buyer, but it can be eliminated through an honest and qualified intermediary company and asking the seller to do notarization entrustment.

Third, if both the buyer and the seller are unable or unwilling to repay, they can find a third-party special guarantee company, which will pay off the loan and then transfer the ownership, and then return the money to the guarantee company, but this requires a guarantee redemption fee.