It's not necessary. For the houses with outstanding loans, those who have obtained the real estate license can sell or transfer their personal houses to a third person, and apply for personal housing loans to change the loan term, change the borrower or change the mortgage. This is the simplest and direct transaction method for mortgaged houses: 1. The buyer and the seller sign a house sales contract. 2. The buyer, the seller and the lawyer sign the security guarantee contract for the sub-mortgage transaction. 3. The buyer pays the down payment. 4. The Seller's loan bank agrees in writing to prepay the loan in one lump sum and issues a confirmation letter. 5. The buyer applies to the loan bank for the second-hand house mortgage loan and submits relevant materials. 6. The seller actually delivers the house to the buyer. 7. Lend money after the approval of the bank, and the money will be transferred to the seller's loan bank account. 8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages the house to the buyer's loan bank. 9. The buyer's loan bank will pay the down payment to the seller. Article 6868 of the Civil Code establishes, changes, transfers and extinguishes the real right of immovable property, and takes 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.

Legal objectivity:

civil law

Article 209

The establishment, alteration, transfer and extinction of the real right of immovable property shall 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.

civil law

Article 406

During the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected. Where the mortgagor transfers the mortgaged property, it shall promptly notify the mortgagee. If the mortgagee can prove that the transfer of the mortgaged property may damage the mortgage right, he may require the mortgagor to pay off the debt or deposit the proceeds of the transfer in advance with the mortgagee. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor.