Step 2, if the bank approves, the bank, the seller and the buyer sign an agreement;
Step 3, the buyer and the seller sign a house transfer contract;
Step 4, the buyer applies for a new loan from the bank, and the loan amount can be the remaining loan balance of the seller;
Step 5: After the approval of the bank, the bank signs a new loan contract and mortgage contract with the purchaser, and issues a letter of commitment agreeing to the loan;
Step six, the bank and the seller go to the real estate management department to cancel the mortgage registration, the seller and the buyer go through the formalities of property right transfer, and the bank and the buyer go through the new mortgage registration procedures;
Seventh, banks issue loans to buyers.
Legal basis: Measures for the Administration of Personal Second-hand Housing Loan Business of Bank of China (for Trial Implementation) Article 4 The term "personal second-hand housing mortgage loan" as mentioned in these Measures refers to the mortgage loan business provided by the borrower (original owner) who has handled the housing mortgage loan business in the loan bank to the new owner (new borrower).