Whether the mortgaged house is transferred between father and son or sold to others, the premise is that the loan can be settled before the transfer formalities can be handled. The process of sales and gift transfer is as follows:

Gift transfer:

The donor and the donee go to the notary office for notarization of the gift;

Then go to the Housing Authority to handle the notarial certificate and conduct online signing and tax verification;

Then go to the registration hall to handle the transfer procedures;

Get the title certificate in a few days;

Sales and transfer:

The buyer and the seller sign a loan contract, stipulating who will repay the loan and the taxpayer (generally, the seller's loan is repaid by the buyer's down payment);

The buyer and the seller go to the bank to sign a loan contract;

Settle the loan after the bank loan is approved;

After the loan is settled, his rights will be cancelled;

Go through the transfer formalities after canceling his other rights;

Submit the title certificate to the bank after the transfer formalities are completed;

Bank loans;