1. The seller needs to pay off the loan in advance, release the mortgage, and then handle the house transfer formalities. First, both parties must agree to change the agreement, and then go to the notary office for notarization. After the seller pays off the loan, the buyer can obtain the real estate license and cancel the mortgage registration. Both parties shall register the change of property rights in accordance with the notarization agreement and complete the transfer.
2. Both parties negotiate, show the agreement of property right change of both parties to the bank, and let the bank agree to the transfer of property right.
If the bank agrees to change the property right and the borrower changes from the seller to the buyer, the bank will issue a certificate that the house has changed under the mortgage condition.
If the bank does not agree to the change of property rights, both parties should transfer the ownership first and settle the loan. If the money is not enough, the guarantee company can redeem the building and then transfer the ownership.
3. To redeem the building, the seller can find the guarantee company to pay off the remaining loan, or go through the transfer registration without the real estate license, and then the seller will return the loan to the guarantee company.
4. At present, our country's laws do not support signing an agreement to transfer ownership. However, both parties can choose a reliable intermediary company to handle it. Both parties need to pay the handling fee to the intermediary company, and the seller can transfer the house to the buyer's name when obtaining the real estate license.